| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELUE & ASSOCIATES3 | PO BOX 455 HARRISBURG, NC 28075 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $21K | $106K | $127K | 2.24% |
| BELUE & ASSOCIATES3 | PO BOX 455 HARRISBURG, NC 28075 | SUN LIFE ASSURANCE COMPANY OF CANADA | $54K | — | $54K | 14.58% |
| BELUE & ASSOCIATES3 Filed as: BELUE & ASSOCIATES, LLC | PO BOX 455 HARRISBURG, NC 28075 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 22.66% |
| CRAIG PLOCH0 | 1470 NORWICH RD WINSTON SALEM, NC 27127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 8.83% |
| THE WORKSITE GROUP LLC0 Filed as: WORKSITE SERVICES INC | PO BOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 5.27% |
| BELUE & ASSOCIATES3 Filed as: BELUE & ASSOCIATES LLC | PO BOX 455 HARRISBURG, NC 28075 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32K | — | $32K | 50.90% |
| CRAIG PLOCH0 | 1470 NORWICH RD WINSTON SALEM, NC 27127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 30.77% |
| THE WORKSITE GROUP LLC0 Filed as: WORKSITE SERVICES, INC | PO BOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 18.28% |
| BELUE & ASSOCIATES3 Filed as: BELUE & ASSOCIATES, LLC | PO BOX 455 HARRISBURG, NC 28075 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 22.97% |
| CRAIG PLOCH0 | 1470 NORWICH RD WINSTON SALEM, NC 27127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 8.06% |
| THE WORKSITE GROUP LLC0 Filed as: WORKSITE SERVICES INC | PO BOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.11% |
| BELUE & ASSOCIATES3 | PO BOX 455 HARRISBURG, NC 28075 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 21.17% |
| CRAIG PLOCH0 Filed as: CRAIG PLOCK | 1470 NORWICH RD WINSTON SALEM, NC 27127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.74% |
| THE WORKSITE GROUP LLC0 Filed as: WORKSITE SERVICES INC | PO BOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.89% |
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 | 543 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 531 | $5.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 531 | $5.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 531 | $5.7M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 543 | $435K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 543 | $373K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 543 | $373K |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 305 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.