| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD. STE 400 GREENSBORO, NC 274099509 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.81% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE NETWORK | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | — | $430 | $430 | 1.04% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $128 | $1K | 10.99% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 276120000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $982 | $86 | $1K | 10.88% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $805 | $70 | $875 | 10.87% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $803 | $70 | $873 | 10.87% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVE RALEIGH, NE 276120000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $447 | $36 | $483 | 10.81% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NE 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $215 | $55 | $270 | 12.57% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $41K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $41K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $62K |
| Short-term disability(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $52K |
| Long-term disability(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $56K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.