| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC | PO BOX 27149 GREENVILLE, SC 296162149 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 20.92% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC | PO BOX 27149 GREENVILLE, SC 296162149 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 25.12% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $994 | $994 | 3.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC | PO BOX 27149 GREENVILLE, SC 296162149 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $958 | $4K | 13.77% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $763 | $763 | 3.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES, INC | PO BOX 27149 GREENVILLE, SC 296162149 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $996 | $4K | 20.75% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $519 | $519 | 3.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 417 E 1ST AVENUE EASLEY, SC 296403062 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC | 47 AIRPACK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP | — | $514 | $514 | 3.06% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $910 | $910 | 10.03% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES INC | 3605 GLENWOOD AVENUE, SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $899 | $899 | 9.90% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC | 3605 GLENWOOD AVE. SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $907 | $907 | 10.43% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $903 | $903 | 10.39% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SVCS, INC | 3605 GLENWOOD AVE, STE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $745 | $745 | 10.29% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $742 | $742 | 10.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM INC EIN 56-1449504 | Plan Administrator Service code 14 | — | $54K |
| CIGNA EIN 59-1031071 | Claims processing Service code 12 | — | $27K |
| PLANNED ADMINSTRATORS, INC EIN 57-0718839 | Plan Administrator Service code 14 | — | $7K |
| HEALTHCARE BLUEBOOK EIN 20-8981027 | Other fees Service code 99 | — | $4K |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 155 | $355K |
| Vision | AMERITAS LIFE INSURANCE CORP | 253 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $43K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 155 | $355K |
| Other(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.