| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 74 W BROAD ST SUITE 370 BETHLEHEM, PA 18018 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $1K | $0 | $1K | 3.03% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 74 W BROAD ST SUITE 370 BETHLEHEM, PA 18018 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 13.76% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 74 W BROAD ST SUITE 370 BETHLEHEM, PA 18018 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 15.52% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 74 W BROAD ST SUITE 370 BETHLEHEM, PA 18018 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 15.62% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 74 W BROAD ST SUITE 370 BETHLEHEM, PA 18018 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $174 | $0 | $174 | 3.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 74 W BROAD ST SUITE 370 BETHLEHEM, PA 18018 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $220 | $0 | $220 | 23.76% |
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 | 138 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 0 | $926 |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 133 | $35K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 50 | $6K |
| Life insurance | STANDARD INSURANCE COMPANY | 140 | $21K |
| Short-term disability | STANDARD INSURANCE COMPANY | 130 | $26K |
| Long-term disability | STANDARD INSURANCE COMPANY | 19 | $7K |
| Other | STANDARD INSURANCE COMPANY | 140 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.