| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3975 FAIR RIDGE DRIVE 100 NORTH BUILDING FAIRFAX, VA 22033 | CAREFIRST BLUECHOICE | $47K | $13K | $60K | 4.46% |
| BB&T INSURANCE SERVICES, INC.3 | 7200 BANK COURT FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 7.99% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 5.00% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOCIATES | 1 KELLY WAY SPARKS, MD 21152 | UNION SECURITY INSURANCE COMPANY | — | $4K | $4K | 5.97% |
| BB&T - FREDERICK UNDERWRITERS3 Filed as: BB&T-FREDERICK UNDERWRITERS | 7200 BANK COURT FREDERICK, MD 21703 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 4.83% |
| 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 | $2K | $205 | $2K | 9.51% |
| JAY E. BLACK3 | 1400 MIDHURST COURT BEL AIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.38% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 7200 BANK COURT FREDERICK, MD 21703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $144 | $1K | 16.56% |
| JAY E. BLACK3 | 1400 MIDHURST COURT BEL AIR, MD 21014 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 13.42% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $75 | $75 | 0.91% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 215 | $1.3M |
| Dental | UNION SECURITY INSURANCE COMPANY | 103 | $67K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $149K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $157K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $149K |
| Prescription drug | CAREFIRST BLUECHOICE | 215 | $1.3M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.