| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $30K | — | $30K | 1.49% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | P. O. BOX 17370 RICHMOND, VA 23226 | DELTA DENTAL OF VIRGINIA | $12K | — | $12K | 4.99% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 6.52% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $947 | $4K | 6.67% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $908 | $9K | 16.66% |
| BB&T BENEFIT SERVICES INC.3 | 2108 W. LABURNUM AVENUE, SUITE 310 P. O. BOX 17370 RICHMOND, VA 232267370 | AMERITAS LIFE INSURANCE CORP. | $5K | — | $5K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 4.52% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | P. O. BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.36% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVE. SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.07% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $318 | $30 | $348 | 16.39% |
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 | 616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 533 | $2.0M |
| Dental | DELTA DENTAL OF VIRGINIA | 682 | $233K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 717 | $45K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 573 | $55K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 558 | $157K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 136 | $57K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 573 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.