| 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, S GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $16K | — | $16K | 2.07% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | ATTN COMMISSIONS 414 GALLIMORE DAIRY RD, S GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $5K | — | $5K | 2.06% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | P.O. BOX 17370 RICHMOND, VA 23226 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 5.61% |
| BB&T INSURANCE SERVICES, INC.3 | P. O. BOX 168 WINSTON-SALEM, NC 27102 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $620 | — | $620 | 0.35% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | ATTN COMMISSIONS 414 GALLIMORE DAIRY RD, S GREENSBORO, NC 27409 | OPTIMA HEALTH INSURANCE COMPANY | $2K | — | $2K | 2.08% |
| BB&T INSURANCE SERVICES, INC.3 | 1 COLUMBUS CENTER SUITE 202 VIRGINIA BEACH, VA 23462 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | — | $2K | 2.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | OPTIMA HEALTH INSURANCE COMPANY | $738 | — | $738 | 2.06% |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 224 | $1.1M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 232 | $115K |
| Vision(4 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 224 | $1.1M |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 348 | $177K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 348 | $177K |
| Prescription drug(4 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 224 | $1.1M |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 348 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.