| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 113 SOUTH WAYNE AVENUE PO BOX 700 WAYNESBORO, VA 22980 | ANTHEM BLUE CROSS AND BLUE SHIELD | $7K | $0 | $7K | 0.98% |
| BENEFIT COMPANY INC OF SC3 Filed as: BENEFIT COMPANY INC. OF S. CAROLINA | PO BOX 211486 COLUMBIA, SC 29221 | ANTHEM BLUE CROSS AND BLUE SHIELD | $6K | $0 | $6K | 0.77% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ MT DONAHOE & ASSOC LLC | 9755 PATUXENT WOODS DRIVE SUITE 250 COLUMBIA, MD 21046 | ANTHEM BLUE CROSS AND BLUE SHIELD | $5K | $0 | $5K | 0.60% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | GUARDIAN | $7K | $5K | $12K | 9.62% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA AND ASSOC. FINANCIAL SERVICES | 1445 RESEARCH BOULEVARD, SUITE 340 ROCKVILLE, MD 20850 | GUARDIAN | $4K | $0 | $4K | 2.97% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | 3800 FERNANDINA ROAD SUITE 200 COLUMBIA, SC 29221 | GUARDIAN | $623 | $0 | $623 | 0.50% |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GUARDIAN | 155 | $126K |
| Dental | GUARDIAN | 155 | $126K |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 190 | $888K |
| Life insurance | GUARDIAN | 155 | $126K |
| Short-term disability | GUARDIAN | 155 | $126K |
| Long-term disability | GUARDIAN | 155 | $126K |
| Other | GUARDIAN | 155 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.