| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27216 | CAREFIRST BLUECHOICE, INC. | $29K | $36 | $29K | 3.18% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMONT AVENUE SUITE 400 TOWSON, MD 21284 | CAREFIRST BLUECHOICE, INC. | — | $8K | $8K | 0.83% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | $6K | $5K | $11K | 17.86% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $357 | $3K | 7.01% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 276124954 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11 | $11 | 0.03% |
| BB&T - FREDERICK UNDERWRITERS3 | 7200 BANK COURT FREDERICK, MD 21703 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 10.01% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 166 | $911K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $39K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $39K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 102 | $59K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 102 | $59K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 166 | $911K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 102 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.