| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 4010 OLEANDER DR., STE. 11 WILMINGTON, NC 28403 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $20K | — | $20K | 2.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 4010 OLEANDER DR., STE. 11 WILMINGTON, NC 28403 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 12.59% |
| BROKERS HOLDING GROUP3 Filed as: BROKERS HOLDING GROUP LLC | 455 ST. ANDREWS RD., BLDG E STE. 1 LEXINGTON, SC 29072 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 5.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N TRADE ST NW, STE. 302 WINSTON-SALEM, NC 27101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 15.31% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $664 | — | $664 | 3.52% |
| RELATION INSURANCE INC3 Filed as: RELATION INSURANCE INC. | 5825 MEDLOCK BRIDGE PKWY., STE. 200 ALPHARETTA, GA 30022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.10% |
| BOBBY RAY MAINES JR.3 | 970 VOX ROAD SPARTA, NC 28675 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.07% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N TRADE ST NW, STE. 302 WINSTON-SALEM, NC 27101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 13.40% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $772 | — | $772 | 4.21% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N TRADE ST NW, STE. 302 WINSTON-SALEM, NC 27101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.67% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | PO BOX 25172 WINSTON-SALEM, NC 27114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $532 | — | $532 | 4.08% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 156 | $789K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 134 | $117K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 134 | $117K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 134 | $117K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 134 | $117K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 156 | $789K |
| Other(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 241 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.