| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 2108 W LABURNUM AVE STE 310 RICHMOND, VA 232274300 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 4.82% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 8.01% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 113 S. WAYNE AVENUE P. O. BOX 700 WAYNESBORO, VA 22980 | ANTHEM LIFE INSURANCE COMPANY | $11K | — | $11K | 14.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC. | 401 E. JACKSON STREET SUITE 1700 TAMPA, FL 33602 | ANTHEM LIFE INSURANCE COMPANY | — | $2K | $2K | 2.95% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 22.41% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $963 | — | $963 | 6.03% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 211 | $1.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 332 | $92K |
| Vision | VISION SERVICE PLAN | 121 | $16K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 176 | $74K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 176 | $74K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 176 | $74K |
| Prescription drug(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 211 | $890K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 176 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.