| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROKERS HOLDING GROUP3 | 455 ST. ANDREWS RD. COLUMBIA, SC 29210 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $22K | — | $22K | 1.28% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $3K | $5K | 0.28% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | TRANSAMERICA LIFE INSURANCE COMPANY | $38K | — | $38K | 79.00% |
| COMPASS ENROLLMENT PARTNERS, LLC3 | 1600 PLEASANT RIDGE RD. STATE ROAD, NC 28676 | TRANSAMERICA LIFE INSURANCE COMPANY | $133 | — | $133 | 0.28% |
| WORKSITE BENEFITS SOLUTION LLC3 Filed as: WORKSITE BENEFIT SOLUTION, INC. | 301 N. MAIN ST., STE. 1030 WINSTON-SALEM, NC 27101 | TRANSAMERICA LIFE INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N TRADE ST., STE.302 WINSTON SALEM, NC 27101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $789 | $4K | 15.48% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 TRADE ST., STE. 302 RICHMOND, NC 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $815 | $3K | 16.05% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | WELLFLEET | $9K | — | $9K | 45.00% |
| COMPASS ENROLLMENT PARTNERS, LLC3 | 1600 PLEASANT RIDGE RD. STATE ROAD, NC 28676 | WELLFLEET | $4K | — | $4K | 20.01% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $1K | — | $1K | 6.47% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | PROSPERITY LIFE GROUP | $8K | — | $8K | 45.01% |
| COMPASS ENROLLMENT PARTNERS, LLC3 Filed as: COMPASS ENROLLMENT PARTNERS | 1600 PLEASANT RIDGE RD. STATE ROAD, NC 27101 | PROSPERITY LIFE GROUP | $4K | — | $4K | 20.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $649 | $3K | 15.75% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | WELLFLEET | $7K | — | $7K | 45.00% |
| COMPASS ENROLLMENT PARTNERS, LLC3 | 1600 PLEASANT RIDGE RD. STATE ROAD, NC 28676 | WELLFLEET | $3K | — | $3K | 20.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $1K | — | $1K | 6.48% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $461 | $2K | 18.47% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N. TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | ALLYHEALTH LLC | $1K | — | $1K | 18.75% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $496 | — | $496 | 11.14% |
| BETTENA L WINNICKI3 | 5748 WINDWORTH DR. WINSTON SALEM, NC 27106 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $423 | — | $423 | 9.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | METLIFE INSURANCE COMPANY | $46 | — | $46 | 19.83% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 310 | $1.7M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 310 | $1.7M |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 310 | $1.7M |
| Life insurance(3 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 263 | $101K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $23K |
| Other(8 contracts, 7 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 263 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.