| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERYL GRANT3 | PO BOX 25172 WINSTON SALEM, NC 27114 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $46K | $500 | $47K | 4.52% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON SALEM, NC 27114 | COMPANION LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 6.76% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON SALEM, NC 27114 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 4.05% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON SALEM, NC 27114 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 17.50% |
| WORKSITE BENEFIT SOLUTIONS INC3 Filed as: WORKSITE BENEFIT SOLUTIONS, INC | 301 N. MAIN ST. STE 1030 WINSTON SALEM, NC 27101 | TRANSAMERICA LIFE INSURANCE COMPANY | $120 | — | $120 | 1.23% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON SALEM, NC 27114 | SUPERIOR VISION PLAN | $1K | — | $1K | 14.00% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 159 | $1.0M |
| Dental | COMPANION LIFE INSURANCE COMPANY | 107 | $46K |
| Vision | SUPERIOR VISION PLAN | 147 | $9K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 144 | $61K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 144 | $61K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 144 | $61K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 159 | $1.0M |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 144 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.