| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLMORE DAIRY RD SUITE F GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $54 | $14K | 15.60% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLMORE DAIRY RD SUITE F GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $923 | $923 | 1.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $32 | $32 | 0.03% |
| BB&T INSURANCE SERVICES, INC.3 | 74 W BROAD ST BETHLEHEM, PA 18018 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $0 | $3K | 3.78% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $0 | $1K | 1.24% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 181 | $83K |
| Vision | HIGHMARK | 206 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $92K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $92K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $92K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.