| 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 | $11K | — | $11K | 5.85% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON-SALEM, NC 27114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $775 | $9K | 4.56% |
| 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 | $27K | — | $27K | 14.90% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON-SALEM, NC 27114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $1K | $20K | 10.91% |
| 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 | $6K | — | $6K | 5.95% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON-SALEM, NC 27114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 5.27% |
| 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 | $11K | — | $11K | 11.77% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON-SALEM, NC 27114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 8.23% |
| 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 | $4K | — | $4K | 9.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NORTH CAROLINA | PO BOX 25172 WINSTON-SALEM, NC 27114 | VISION SERVICE PLAN | $2K | — | $2K | 7.56% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON-SALEM, NC 27114 | VISION SERVICE PLAN | $665 | — | $665 | 2.44% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD., STE. 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $136 | — | $136 | 0.50% |
| 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 | $2K | — | $2K | 11.47% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON-SALEM, NC 27114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $398 | $2K | 10.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACS BENEFIT SERVICES, LLC TPA | Claims processing; Contract Administrator Service code 12 | 470 W. HANES MILL RD., STE. 100 WINSTON-SALEM, NC 27105 | $123K |
| THE HILB GROUP OF NORTH CAROLINA BROKER | Insurance agents and brokers Service code 22 | 530 N. TRADE ST., STE. 302 WINSTON-SALEM, NC 27101 | $52K |
| FIRST HEALTH PPO NETWORK ACCESS | Insurance services Service code 23 | 23291 NETWORK PLACE CHICAGO, IL 60673 | $1K |
| AMERICAN HEALTH HOLDING, INC. MEDICAL MANAGEMENT | Insurance services Service code 23 | P.O. BOX 360142 PITTSBURGH, PA 15250 | $550 |
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 | 336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $187K |
| Vision | VISION SERVICE PLAN | 292 | $27K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 336 | $116K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $104K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $183K |
| Stop-loss / reinsurancereinsurance | BRECKPOINT INSURANCE COMPANY LLC | 289 | $559K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 336 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.