| 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 | $9K | — | $9K | 1.03% |
| HILB GROUP OF NEW ENGLAND Filed as: HILB GROUP OF NC LLC | 119 BROOKSTOWN AVE STE 203 WINSTON SALEM, NC 27101 | COMPANION LIFE INSURANCE | $10K | — | $10K | 11.46% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE | $5K | — | $5K | 6.24% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON SALEM, NC 27114 | COMPANION LIFE INSURANCE | $1K | — | $1K | 1.24% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF NC | 530 N TRADE ST STE 302 WINSTON SALEM, NC 27101 | WELLFLEET | $5K | — | $5K | 44.91% |
| ALLEGACY BENEFIT SOLUTIONS LLC Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON SALEM, NC 27114 | WELLFLEET | $2K | — | $2K | 20.09% |
| BAFFIN BAY MARKETING GROUP, LLC Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $1K | — | $1K | 11.51% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF NC | PO BOX 25172 WINSTON SALEM, NC 27114 | COMMUNITY EYE CARE | $800 | — | $800 | 10.00% |
| AON CONSULTING INC Filed as: ALLSTATE HEWITT | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE | $547 | — | $547 | 9.36% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFITS SOLUTIONS LLC | PO BOX 25172 WINSTON SALEM, NC 27114 | AMERICAN HERITAGE LIFE INSURANCE | $216 | — | $216 | 3.70% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF NC | 530 N TRADE STREET SUITE 302 WINSTON SALEM, NC 27101 | PROSPERITY LIFE GROUP | $2K | — | $2K | 43.01% |
| ALLEGACY BENEFIT SOLUTIONS LLC | PO BOX 25172 WINSTON SALEM, NC 27114 | PROSPERITY LIFE GROUP | $1K | — | $1K | 21.98% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF NC | 530 N TRADE ST STE 302 WINSTON SALEM, NC 27101 | WELLFLEET | $2K | — | $2K | 44.22% |
| ALLEGACY BENEFIT SOLUTIONS LLC Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON SALEM, NC 27114 | WELLFLEET | $792 | — | $792 | 20.76% |
| BAFFIN BAY MARKETING GROUP, LLC Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $629 | — | $629 | 16.49% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF NC | 530 N TRADE ST STE 302 WINSTON SALEM, NC 27101 | WELLFLEET | $181 | — | $181 | 10.43% |
| BAFFIN BAY MARKETING GROUP, LLC Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $147 | — | $147 | 8.47% |
| ALLEGACY BENEFIT SOLUTIONS LLC Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON SALEM, NC 27114 | WELLFLEET | $97 | — | $97 | 5.59% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON SALEM, NC 27114 | NATIONAL GUARDIAN LIFE INSURANCE | — | — | $0 | — |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS, LLC | 530 N TRADE STREET WINSTON SALEM, NC 27101 | KEMPER | — | — | $0 | — |
| WORKSITE BENEFIT SOLUTIONS INC3 Filed as: WORKSITE BENEFIT SOLUTIONS, INC. | 301 NORTH MAIN STREET WINSTON SALEM, NC 27101 | KEMPER | — | — | $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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 231 | $857K |
| Dental | COMPANION LIFE INSURANCE | 135 | $85K |
| Vision(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE | 140 | $93K |
| Life insurance | COMPANION LIFE INSURANCE | 135 | $85K |
| Short-term disability | COMPANION LIFE INSURANCE | 135 | $85K |
| Long-term disability | COMPANION LIFE INSURANCE | 135 | $85K |
| Other(5 contracts, 4 carriers) | WELLFLEET | 227 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.