| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 2.46% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES INC | 2108 WEST LABURNUM AVENUE SUITE 310 RICHMOND, VA 23227 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.91% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES INC | 2108 WEST LABURNUM AVENUE SUITE 310 RICHMOND, VA 23227 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET #401 SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.15% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | PO BOX 17370 RICHMOND, VA 23226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $939 | — | $939 | 3.85% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET #401 SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.57% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | PO BOX 17370 RICHMOND, VA 23226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $438 | — | $438 | 3.42% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET #401 SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.07% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | PO BOX 17370 RICHMOND, VA 23226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $354 | — | $354 | 3.92% |
| PARKER CONRAD3 | 303 2ND STREET SUITE 401 SAN FRANCISCO, CA 94107 | DELTA DENTAL OF VIRGINIA | $190 | — | $190 | 4.09% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: B B & T INSURANCE SERVICES, INC. | PO BOX 17370 RICHMOND, VA 23226 | DELTA DENTAL OF VIRGINIA | $136 | — | $136 | 2.92% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: B B & T INSURANCE SERVICES, INC. | PO BOX 17370 RICHMOND, VA 23226 | DELTA DENTAL OF VIRGINIA | $93 | — | $93 | 8.00% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $444K |
| Dental(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $399K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $393K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $9K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $24K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.