| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 W FRIENDLY AVE, STE 400 GREENSBORO, NC 37410 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.90% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS USA INC | 600 HIGHWAY 169 SOUTH ST LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.24% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVE RALEIGH, NC 27612 | THE DENTAL CARE PLUS GROUP | $3K | — | $3K | 6.02% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES, USA | P.O. BOX 203417 DALLAS, TX 75320 | THE DENTAL CARE PLUS GROUP | $2K | — | $2K | 3.98% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVE RALEIGH, NC 27612 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 6.01% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES, USA | P.O. BOX 203417 DALLAS, TX 75320 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 3.98% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELL FARGO INSURANCE | 720 E PETE ROSE WAY #400 CINCINNATI, OH 45202 | EYEMED VISION CARE | $1K | — | $1K | 3.99% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE DENTAL CARE PLUS GROUP | 270 | $85K |
| Vision | EYEMED VISION CARE | 404 | $25K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 543 | $84K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 543 | $84K |
| Other | AETNA LIFE INSURANCE COMPANY | 543 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.