| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T3 | 3318 WEST FRIENDLY AVE SUITE 400 GREENSBORO, NC 27410 | PRUDENTIAL | $22K | — | $22K | 8.58% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS | PO BOX 168 WINSTON SALEM, NC 27102 | PRUDENTIAL | $4K | — | $4K | 1.51% |
| MICHAEL WILLIAM STEEN3 Filed as: BB&T MICHAEL STEEN | 3318 WEST FRIENDLY AVE SUITE 400 GREENSBORO, NC 27410 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 7.00% |
| BB&T - BLUE RIDGE BURKE3 Filed as: BB&T BLUE RIDGE | 3318 WEST FRIENDLY AVE SUITE 400 GREENSBORO, NC 27408 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 2.53% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 1.66% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | ALLSTATE BENEFITS | $6K | — | $6K | 12.31% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE BENEFITS | $6K | — | $6K | 12.27% |
| BB&T3 | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $1K | — | $1K | 5.44% |
| BB&T INS SVCS. MICHAEL STEEN3 | 3318 WEST FRIENDLY AVE SUITE 400 GREENSBORO, NC 27408 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $37K | $1K | $38K | — |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 148 | $0 |
| Dental | UNION SECURITY INSURANCE COMPANY | 156 | $130K |
| Vision | VISION SERVICE PLAN | 113 | $21K |
| Life insurance | PRUDENTIAL | 161 | $254K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL | 161 | $299K |
| Long-term disability | PRUDENTIAL | 161 | $254K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 148 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.