| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $25K | — | $25K | 2.49% |
| BB&T INSURANCE SERVICES, INC.3 | 2108 W LABURNUM AVE STE 310 RICHMOND, VA 232274300 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 4.96% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | OHIC PPO | $4K | — | $4K | 1.97% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED CONCORDIA INSURANCE COMPANY | $10K | — | $10K | 8.01% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NM 27409 | OPTIMA HEALTH PLAN | $1K | — | $1K | 3.06% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 896620 CHARLOTTE, NC 282896620 | VISION SERVICE PLAN | $1K | — | $1K | 5.30% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 276124954 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 292216486 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $764 | — | $764 | 6.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | KANAWHA INSURANCE COMPANY/HUMANA | $2K | — | $2K | 23.08% |
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 | 221 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 230 | $1.5M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 364 | $119K |
| Vision | VISION SERVICE PLAN | 153 | $19K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 213 | $36K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 191 | $16K |
| Prescription drug(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 230 | $1.2M |
| Other(4 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 213 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.