| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAD HUFF3 | PO BOX 25172 WINSTON SALEM, NC 27114 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $27K | — | $27K | 8.30% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON-SALEM, NC 271145172 | PRINCIPAL LIFE INSURANCE | $17K | — | $17K | 15.11% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON SALEM, NC 27114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON SALEM, NC 27114 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON SALEM, NC 27114 | AMERICA HERITAGE LIFE INSURANCE | $751 | — | $751 | 34.25% |
| MAINES JR., BOBBY R.3 | 970 VOX ROAD SPARTA, NC 28675 | AMERICA HERITAGE LIFE INSURANCE | $237 | — | $237 | 10.81% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON SALEM, NC 27114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $480 | — | $480 | 39.25% |
| MAINES JR., BOBBY R.3 | 970 VOX ROAD SPARTA, NC 28675 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | — | $133 | 10.87% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON SALEM, NC 27114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $559 | — | $559 | 52.49% |
| MAINES JR., BOBBY R.3 | 970 VOX ROAD SPARTA, NC 28675 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 17.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGACY BENEFIT SOLUTIONS LLC EIN 20-5910552 | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | PO BOX 25172 WINSTON SALEM, NC 27114 | $51K |
| FLORES AND ASSOCIATES EIN 56-1542307 | Other services Service code 49 | — | $2K |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 184 | $321K |
| Dental | PRINCIPAL LIFE INSURANCE | 227 | $111K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE | 227 | $123K |
| Life insurance | PRINCIPAL LIFE INSURANCE | 227 | $111K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE | 227 | $113K |
| Long-term disability | PRINCIPAL LIFE INSURANCE | 227 | $111K |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 22 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.