| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BBANDT INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | $113K | $14K | $126K | 11.43% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | HARTFORD LIFE AND ACCIDENT | $83K | — | $83K | 7.54% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BBANDT INSURANCE SERVICES, INC. | P.O. BOX 14448 ST. PETERSBURG, FL 33733 | HARTFORD LIFE AND ACCIDENT | $13K | $819 | $14K | 1.23% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVENUE, SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $34K | — | $34K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BBANDT INSURANCE SERVICES, INC. | 3605 GLENWOOD AVE, SUTIE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56K | — | $56K | 25.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.55% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE, SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $518 | — | $518 | 4.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator; Float revenue Service code 12 | — | $2.6M |
| BB AND T INSURANCE SERVICES, INC. | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $142K |
| THE BENEFIT COMPANY INC OF SC | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $99K |
| BBANDT INSURANCE SERVICES, INC. BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | P.O. BOX 436869 LOUISVILLE, KY 40253 | $0 |
| BENEFIT COMPANY INC OF SC BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | P.O. BOX 211486 COLUMBIA, SC 29221 | $0 |
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 | 3,400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 470 | $11K |
| Vision | VISION SERVICE PLAN | 3,466 | $339K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,401 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,401 | $1.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,401 | $1.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,401 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,466 | — |
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.