| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD SUITE F GREENBORO, NC 27409 | CIGNA HEALTH AND LIFE COMPANY | $1K | $83K | $84K | 3.45% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE COMPANY | $112 | $7K | $7K | 0.29% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD SUITE F GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.12% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC | 7200 BANK CT FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $878 | $11K | 8.75% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BBT INSURANCE SERVICES, INC | 7200 BANK CT FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $404 | $8K | 15.72% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 7200 BANK COURT FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $366 | $26 | $392 | 3.01% |
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 | 319 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE COMPANY | 227 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 223 | $124K |
| Vision | CIGNA HEALTH AND LIFE COMPANY | 227 | $2.4M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 319 | $176K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 319 | $122K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 319 | $122K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 88 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.