| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INS SERVICES INC3 Filed as: BB&T INS SER INC RALEIGH | 3605 GLENWOOD AVE RALEIGH, NC 276124954 | HUMANA INSURANCE COMPANY | $2K | $339 | $2K | 10.30% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $1K | $0 | $1K | 14.99% |
| BB&T INSURANCE SERVICES, INC.3 | 5850 WATERLOO RD STE 240 COLUMBIA, MD 21045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $642 | $48 | $690 | 11.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRINITY BENEFIT ADVISORS BROKER | Insurance agents and brokers Service code 22 | 660 AMERICAN AVE SUITE 101 KING OF PRUSSIA, PA 19406 | $10K |
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $8K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $5K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $1K |
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 | 37 | 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) | 38 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 31 | $19K |
| Vision | HUMANA INSURANCE COMPANY | 31 | $19K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $6K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $6K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 37 | $7K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 31 | $70K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37 | — |
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.