| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | OPTIMA HEALTH | $27K | — | $27K | 2.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | OPTIMA HEALTH | $11K | — | $11K | 2.00% |
| BAYSE & COMPANY3 | 924 SECOND ST SW ROANOKE, VA 24016 | OPTIMA HEALTH | — | — | $0 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | ALLSTATE | $39K | — | $39K | 31.04% |
| LONA BISHOP3 | POBOX 645 LURAY, VA 22835 | ALLSTATE | $37K | — | $37K | 28.86% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR MINERAL, VA 23117 | ALLSTATE | $3K | — | $3K | 2.16% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | OHIC PPO - OPTIMA HEALTH | $428 | — | $428 | 2.00% |
| BAYSE & COMPANY3 | 924 2ND STREET SW ROANOKE, VA 24016 | OHIC PPO - OPTIMA HEALTH | — | — | $0 | 0.00% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | OPTIMA HEALTH | 269 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.