| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B B AND T INSURANCE SERVICES INC3 Filed as: B B & T INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD #F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | $164K | $14K | $178K | 9.97% |
| CONSOLIDATED SALES SOLUTIONS3 Filed as: CONSOLIDATED SALES SOLUTIONS LLC | 312 MARTINIQUE PASS LAKEWAY, TX 78734 | HARTFORD LIFE AND ACCIDENT | $42K | $0 | $42K | 2.38% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 0.47% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE, SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $27K | $0 | $27K | 6.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203508 DALLAS, TX 75320 | VISION SERVICE PLAN | $14K | $0 | $14K | 3.51% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVENUE, SUITE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $66K | $10K | $76K | 25.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 580 NORTH 4TH STREET, SUITE 400 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 2.82% |
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 | 7,746 | 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) | 7,746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 4,293 | $408K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,746 | $1.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 7,746 | $1.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,746 | $1.8M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 7,746 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,746 | — |
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.