| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAD HUFF3 Filed as: CHAD A HUFF | PO BOX 25172 WINSTON SALEM, NC 27114 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $13K | — | $13K | 1.72% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON-SALEM, NC 27114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.38% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON-SALEM, NC 27114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $787 | — | $787 | 8.59% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | 530 N TRADE STREET NW #302 WINSTON-SALEM, NC 27101 | KEMPER LIFE | $5K | — | $5K | 66.76% |
| WORKSITE BENEFIT SOLUTIONS INC3 Filed as: WORKSITE BENEFIT SOLUTIONS, INC | 301 NORTH MAIN ST. WINSTON SALEM, NC 27101 | KEMPER LIFE | $376 | — | $376 | 4.59% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON-SALEM, NC 27114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $552 | — | $552 | 8.74% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON-SALEM, NC 27114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $243 | — | $243 | 8.58% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON-SALEM, NC 27114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $203 | — | $203 | 8.28% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 154 | $727K |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 154 | $727K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 154 | $727K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $9K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $9K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 154 | $727K |
| Other | KEMPER LIFE | 52 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.