| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 6802 PARAGON PL., STE. 200 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $15K | $37K | 16.51% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | PO BOX 25172 WINSTON-SALEM, NC 27114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $47K | $16K | $63K | 33.36% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | PO BOX 25172 WINSTON-SALEM, NC 27114 | TRANSAMERICA LIFE INSURANCE COMPANY | $51K | — | $51K | 32.82% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | PO BOX 25172 WINSTON-SALEM, NC 27114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $11K | $25K | 17.87% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | PO BOX 25172 WINSTON-SALEM, NC 27114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $7K | $25K | 28.46% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | PO BOX 25172 WINSTON-SALEM, NC 27114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $5K | $18K | 27.26% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | PO BOX 25172 WINSTON-SALEM, NC 27114 | WELLFLEET | $33K | — | $33K | 61.52% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP, LLC. | PO BOX 161690 AUTSIN, TX 78716 | WELLFLEET | $6K | — | $6K | 11.26% |
| ACS BENEFIT SERVICES LLC3 Filed as: ACS BENEFIT SERVICES, LLC | 470 W. HANES MILL RD., STE. 100 WINSTON-SALEM, NC 27105 | HCC LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | PO BOX 25172 WINSTON-SALEM, NC 27114 | MANHATTANLIFE ASSURANCE CO. OF AMERICA | $30K | — | $30K | 65.01% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP, LLC. | PO BOX 161690 AUSTIN, TX 78716 | MANHATTANLIFE ASSURANCE CO. OF AMERICA | $6K | — | $6K | 13.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | PO BOX 25172 WINSTON-SALEM, NC 27114 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD., STE. 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $35 | — | $35 | 0.12% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | PO BOX 25172 WINSTON-SALEM, NC 27114 | PROSPERITY LIFE GROUP | $731 | — | $731 | 21.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACS BENEFIT SERVICES, LLC THIRD PARTY ADMINISTRATO | Claims processing; Contract Administrator Service code 12 | 470 W. HANES MILL RD., STE. 100 WINSTON-SALEM, NC 27105 | $133K |
| HILB GROUP OF NORTH CAROLINA BROKER | Insurance agents and brokers Service code 22 | PO BOX 25172 WINSTON-SALEM, NC 27101 | $56K |
| FIRST HEALTH PPO NETWORK ACCESS | Insurance services Service code 23 | 23291 NETWORK PLACE CHICAGO, IL 60673 | $776 |
| SOUTHERN SCRIPTS, LLC PHARMACY | Other services Service code 49 | 411 BIENVILLE ST. NATCHITOCHES, LA 71457 | $750 |
| AMERICAN HEALTH HOLDING, INC. MEDICAL MANAGEMENT | Insurance services Service code 23 | P.O. BOX 360142 PITTSBURGH, PA 15250 | $410 |
| SELF FUNDING ACTUARIAL SERVICES ACTUARIAL | Actuarial Service code 11 | PO BOX 11166 WINSTON SALEM, NC 27116 | $400 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 352 | $58K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 333 | $227K |
| Vision | VISION SERVICE PLAN | 355 | $29K |
| Life insurance(3 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 451 | $307K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $138K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $189K |
| Stop-loss / reinsurancereinsurance | BRECKPOINT INSURANCE COMPANY LLC | 352 | $600K |
| Other(6 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 451 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.