| 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 RD, STE F GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $115K | $115K | 6.00% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 896620 CHARLOTTE, NC 28289 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $11K | — | $11K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 | 113 SOUTH WAYNE AVE PO BOX 700 WAYNESBORO, VA 22980 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | — | $3K | $3K | 2.63% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $517 | $3K | 9.81% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE, STE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 32.38% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 32.36% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD STE F GREENSBORO, NC 27409 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $372 | $3K | 11.64% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 27612 | ALLSTATE WORKPLACE DIVISION | $1K | — | $1K | 7.49% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | ALLSTATE WORKPLACE DIVISION | $1K | — | $1K | 7.49% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD STE F GREENSBORO, NC 27409 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $330 | $2K | 12.69% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD STE F GREENSBORO, NC 27409 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $448 | $75 | $523 | 11.68% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 152 | $1.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 339 | $109K |
| Vision | VISION SERVICE PLAN | 129 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $32K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $12K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 182 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.