| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELUE & ASSOCIATES3 | POBOX 455 HARRISBURG, NC 28075 | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES | $20K | $111K | $131K | 2.23% |
| BELUE & ASSOCIATES3 | POBOX 455 HARRISBURG, NC 28075 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 10.00% |
| BELUE & ASSOCIATES3 | POBOX 455 HARRISBURG, NC 28075 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 14.98% |
| BELUE & ASSOCIATES3 | POBOX 455 HARRISBURG, NC 28075 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 15.13% |
| CRAIG PLOCH5 | 1470 NORWICH RD WINSTON SALEM, NC 27127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $618 | — | $618 | 0.98% |
| THE WORKSITE GROUP LLC5 Filed as: WORKSITE SERVICES INC | POBOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $415 | — | $415 | 0.66% |
| BELUE & ASSOCIATES3 | POBOX 455 HARRISBURG, NC 28075 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 16.45% |
| CRAIG PLOCH5 | 1470 NORWICH RD WINSTON SALEM, NC 27127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $461 | — | $461 | 0.80% |
| THE WORKSITE GROUP LLC5 Filed as: WORKSITE SERVICES INC | POBOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $310 | — | $310 | 0.54% |
| BELUE & ASSOCIATES3 | POBOX 455 HARRISBURG, NC 28075 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| BELUE & ASSOCIATES3 | POBOX 455 HARRISBURG, NC 28075 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.63% |
| CRAIG PLOCH5 | 1470 NORWICH RD WINSTON SALEM, NC 27127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $383 | — | $383 | 0.71% |
| THE WORKSITE GROUP LLC5 Filed as: WORKSITE SERVICES INC | POBOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $318 | — | $318 | 0.59% |
| BELUE & ASSOCIATES3 | POBOX455 HARRISBURG, NC 28075 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| BELUE & ASSOCIATES3 | POBOX 455 HARRISBURG, NC 28075 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 18.37% |
| CRAIG PLOCH5 | 1470 NORWICH RD WINSTON SALEM, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $252 | — | $252 | 0.90% |
| THE WORKSITE GROUP LLC5 Filed as: WORKSITE SERVICES INC | POBOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $166 | — | $166 | 0.59% |
| BELUE & ASSOCIATES3 | POBOX 455 HARRISBURG, NC 28075 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 17.00% |
| BELUE & ASSOCIATES3 | POBOX 455 HARRISBURG, NC 28075 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $480 | — | $480 | 10.00% |
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 | 517 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES | 480 | $5.9M |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES | 480 | $5.9M |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES | 480 | $5.9M |
| Life insurance(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 517 | $205K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 517 | $108K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 517 | $56K |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 287 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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."
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.