| 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 PLAN | $14K | — | $14K | 2.22% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | OPTIMA HEALTH PLAN | $2K | — | $2K | 0.28% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $9K | — | $9K | 2.20% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | OPTIMA HEALTH PLAN | $1K | — | $1K | 0.30% |
| BB&T BARGER INSURANCE NETWORK3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $16K | $30K | 17.46% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P. O. BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | — | $8K | $8K | 4.67% |
| MICHELLE DAWN HYDE LAWSON3 | PO BOX 14 SHIPMAN, VA 22971 | AFLAC | $255 | — | $255 | 5.09% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 700 WAYNESBORO, VA 22980 | AFLAC | $97 | — | $97 | 1.94% |
| KENNETH BAILEY3 Filed as: KENNETH R BAILEY | 2121 MT TORREY ROAD LYNDHURST, VA 22952 | AFLAC | $70 | — | $70 | 1.40% |
| CHRISTOPHER PARSONS3 | 4370 SADDLE COURT EARLYSVILLE, VA 22936 | AFLAC | $47 | — | $47 | 0.94% |
| VICKIE LOSNES3 Filed as: VICKIE Y LOSNES | 111 STROLLING TRAIL PONTE VEDRA, FL 32081 | AFLAC | $37 | — | $37 | 0.74% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $27 | — | $27 | 0.54% |
| SABRINA ANN PARSONS3 | 675 BENT OAKS DRIVE UNIT 723 EARLYSVILLE, VA 22936 | AFLAC | $22 | — | $22 | 0.44% |
| THOMAS E HATCHER JR3 | 717 GREEN VALLEY ROAD SUITE 200 GREENSBORO, NC 27408 | AFLAC | $15 | — | $15 | 0.30% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $11 | — | $11 | 0.22% |
| JAMES A TAFT JR3 | 179 HOLSTEIN LANE TOMS BROOK, VA 22660 | AFLAC | $6 | — | $6 | 0.12% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $4 | — | $4 | 0.08% |
| BONNIE L TAFT3 | 179 HOLSTEIN LANE TOMS BROOK, VA 22660 | AFLAC | $3 | — | $3 | 0.06% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | OPTIMA HEALTH PLAN | 119 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $174K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $174K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $174K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.