| 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 | $35K | — | $35K | 2.12% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | 1691 WESTBROOK PLAZA DR. PO BOX 25172 WINSTON-SALEM, NC 27114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 4.07% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $616 | — | $616 | 0.45% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON-SALEM, NC 27114 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 16.16% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 288 | $1.7M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 475 | $138K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 475 | $138K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $104K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $104K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 288 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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.