| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 2291 DURHAM, NC 27702 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $219 | — | $219 | 0.02% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON-SALEM, NC 27114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 12.63% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON-SALEM, NC 27114 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 3.76% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON-SALEM, NC 27114 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $661 | — | $661 | 10.00% |
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 | 96 | 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) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 120 | $935K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 83 | $30K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 107 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $69K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 120 | $935K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.