| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD, #F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 6.35% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD. #F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 4.48% |
| BB&T3 | 1012 KANAWHA BLVD E CHARLESTON, WV 25301 | NATIONAL UNION | $1K | $0 | $1K | 5.56% |
| MEDICAL BENEFITS ADMINISTRATORS5 | 1975 TAMARACK RD NEWARK, OH 43055 | NATIONAL UNION | $1K | $0 | $1K | 5.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS EIN 31-1249371 CONTRACT | Plan Administrator Service code 14 | — | $37K |
| 4MOST EIN 31-1538612 CONTRACT | Other fees Service code 99 | — | $5K |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 110 | $63K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 110 | $63K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 110 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.