| 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 | $8K | — | $8K | 0.93% |
| HILB GROUP OF NEW ENGLAND Filed as: HILB GROUP OF NORTH CAROLINA | 530 N TRADE ST STE 302 WINSTON SALEM, NC 27101 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 15.10% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF NC | 530 N TRADE ST STE 302 WINSTON SALEM, NC 27101 | WELLFLEET-ACCIDENT | $21K | — | $21K | 65.01% |
| BAFFIN BAY MARKETING GROUP, LLC Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET-ACCIDENT | $4K | — | $4K | 11.50% |
| ALLEGACY BENEFIT SOLUTIONS LLC Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON SALEM, NC 27114 | WELLFLEET-ACCIDENT | — | — | $0 | 0.00% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF NC | PO BOX 25175 WINSTON SALEM, NC 27114 | COMMUNITY EYE CARE | $783 | — | $783 | 10.00% |
| HILB GROUP OF NEW ENGLAND Filed as: HILB GROUP | 7470 CRAIGBERRY COURT RURAL HALL, NC 27045 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| AON CONSULTING INC Filed as: ALLSTATE BENEFITS | 1776 AMERICAN HERITAGE LIFE DR JACKSONVILLE, FL 32224 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $870 | — | $870 | 12.00% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF NC | 530 N TRADE STREET SUITE 302 WINSTON SALEM, NC 27101 | MANHATTAN LIFE ASSURANCE CO OF AMERICA | $5K | — | $5K | 65.00% |
| BAFFIN BAY MARKETING GROUP, LLC Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | MANHATTAN LIFE ASSURANCE CO OF AMERICA | $937 | — | $937 | 13.50% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF NC | 530 N TRADE ST STE 302 WINSTON SALEM, NC 27101 | WELLFLEET-CRITICAL ILLNESS | $4K | — | $4K | 70.00% |
| BAFFIN BAY MARKETING GROUP, LLC Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET-CRITICAL ILLNESS | $589 | — | $589 | 11.48% |
| ALLEGACY BENEFIT SOLUTIONS LLC Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON SALEM, NC 27114 | WELLFLEET-CRITICAL ILLNESS | — | — | $0 | 0.00% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF NC | 530 N TRADE ST STE 302 WINSTON SALEM, NC 27101 | WELLFLEET-HOSPITAL INDEMNITY | $591 | — | $591 | 20.01% |
| BAFFIN BAY MARKETING GROUP, LLC Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET-HOSPITAL INDEMNITY | $280 | — | $280 | 9.48% |
| ALLEGACY BENEFIT SOLUTIONS LLC Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON SALEM, NC 27114 | WELLFLEET-HOSPITAL INDEMNITY | — | — | $0 | 0.00% |
| HILB GROUP OF NEW ENGLAND Filed as: HILB GROUP OF NORTH CAROLINA | 530 N TRADE ST STE 302 WINSTON SALEM, NC 27101 | TRANSAMERICA LIFE INSURANCE COMPANY | $644 | — | $644 | 98.17% |
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 | 229 | $887K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $86K |
| Vision | COMMUNITY EYE CARE | 126 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $86K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $86K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $86K |
| Other(6 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 235 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
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.