| 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 | $13K | — | $13K | 1.88% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON SALEM, NC 27114 | PRINCIPAL LIFE INSURANCE | $13K | — | $13K | 14.28% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 277022291 | PRINCIPAL LIFE INSURANCE | $4K | — | $4K | 4.56% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS, LLC | 530 N TRADE STREET WINSTON SALEM, NC 27101 | KEMPER | $4K | — | $4K | 17.01% |
| WORKSITE BENEFIT SOLUTIONS INC3 Filed as: WORKSITE BENEFIT SOLUTIONS, INC. | 301 NORTH MAIN STREET WINSTON SALEM, NC 27101 | KEMPER | $341 | — | $341 | 1.62% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFITS SOLUTIONS LLC | PO BOX 25172 WINSTON SALEM, NC 27114 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 12.36% |
| CHAD HUFF | PO BOX 25172 WINSTON SALEM, NC 27114 | AMERICAN HERITAGE LIFE INSURANCE | $331 | — | $331 | 2.64% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON SALEM, NC 27114 | NATIONAL GUARDIAN LIFE INSURANCE | — | — | $0 | — |
| ALLEGACY BENEFIT SOLUTIONS LLC Filed as: ALLEGACY BENEFIT SOLUTIONS, LLC | PO BOX 25172 WINSTON SALEM, NC 27114 | SUPERIOR VISION PLAN | — | — | $0 | — |
| ALLEGACY BENEFIT SOLUTIONS LLC | 530 N TRADE STREET SUITE 302 WINSTON SALEM, NC 271012957 | UNITED HEALTH CARE | — | — | $0 | — |
| JBA BENEFITS INC | 530 N TRADE STREET SUITE 302 WINSTON SALEM, NC 27101 | UNITED HEALTH CARE | — | — | $0 | — |
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 | 99 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 215 | $715K |
| Dental | PRINCIPAL LIFE INSURANCE | 175 | $94K |
| Vision(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE | 175 | $94K |
| Life insurance | PRINCIPAL LIFE INSURANCE | 175 | $94K |
| Short-term disability | PRINCIPAL LIFE INSURANCE | 175 | $94K |
| Long-term disability | PRINCIPAL LIFE INSURANCE | 175 | $94K |
| Other(2 contracts, 2 carriers) | KEMPER | 95 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.