| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN W HEATH3 | PO BOX 25172 WINSTON SALEM, NC 27114 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $41K | — | $41K | 5.63% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON SALEM, NC 27114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.18% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON SALEM, NC 27114 | USABLE LIFE | $5K | — | $5K | 15.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $4K | — | $4K | 10.00% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON SALEM, NC 27114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $787 | — | $787 | 2.34% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON SALEM, NC 27114 | USABLE LIFE | $2K | — | $2K | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 5.00% |
| JOHN W HEATH3 | PO BOX 25172 WINSTON SALEM, NC 27114 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $2K | — | $2K | 10.11% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON SALEM, NC 27114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $706 | — | $706 | 3.30% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON SALEM, NC 27114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $616 | — | $616 | 3.22% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON SALEM, NC 27114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $225 | — | $225 | 2.61% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 213 | $720K |
| Dental(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 160 | $131K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 172 | $22K |
| Life insurance | USABLE LIFE | 222 | $25K |
| Short-term disability | USABLE LIFE | 177 | $36K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 213 | $720K |
| Other | USABLE LIFE | 222 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.