| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP SOUTHEAST | 218 TRADE ST., STE. G GREER, SC 29651 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $25K | — | $25K | 3.21% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 TRADE ST. NW, STE. 302 WINSTON SALEM, NC 27101 | TRANSAMERICA LIFE INSURANCE COMPANY | $54K | — | $54K | 94.82% |
| 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 | $5K | $3K | $8K | 16.97% |
| 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 | $947 | $3K | 23.63% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 218 TRADE ST., STE. G GREER, SC 29652 | COMMUNITY EYE CARE | $912 | — | $912 | 10.00% |
| 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 | $507 | $446 | $953 | 18.79% |
No Schedule C service providers reported on this filing.
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 100 | $788K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $46K |
| Vision | COMMUNITY EYE CARE | 111 | $9K |
| Life insurance(3 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 188 | $73K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 100 | $788K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.