| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 929 HARRISONBURG, VA 228010929 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | — | $48K | 3.00% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.09% |
| BB&T BARGER INSURANCE NETWORK3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $382 | $3K | 5.74% |
| BB&T SHOMO & LINEWEAVER INSURANCE3 | 328 SOUTH MAIN STREET HARRISONBURG, VA 22801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $5K | 10.47% |
| BB&T SHOMO & LINEWEAVER INSURANCE3 | 328 SOUTH MAIN STREET HARRISONBURG, VA 22801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $581 | $2K | 10.93% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.31% |
| LONA BISHOP3 | P. O. BOX 645 LURAY, VA 22835 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.69% |
| MARK WARE3 Filed as: MARK A. WARE | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $135 | — | $135 | 0.61% |
| BB&T SHOMO & LINEWEAVER INSURANCE3 | 328 SOUTH MAIN STREET HARRISONBURG, VA 22801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $611 | $4K | 16.14% |
| BB&T SHOMO & LINEWEAVER INSURANCE3 Filed as: BB&T SHOMO & LINEWEAVR INSURANCE | 328 SOUTH MAIN STREET HARRISONBURG, VA 22801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $525 | $2K | 14.16% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 700 WAYNESBORO, VA 22980 | FIDELITY SECURITY LIFE 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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $56K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 202 | $11K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $35K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $50K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $22K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.