| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 2108 W. LABURNUM AVE. SUITE 300 RICHMOND, VA 23227 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $3K | $8K | 6.50% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 2108 W. LABURNUM AVE. SUITE 300 RICHMOND, VA 23227 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $4K | 5.82% |
| BB&T SHOMO & LINEWEAVER INSURANCE3 | 328 SOUTH MAIN STREET HARRISONBURG, VA 22801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $479 | $3K | 12.25% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 2108 W. LABURNUM AVE. SUITE 300 RICHMOND, VA 23227 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $243 | $2K | 11.53% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $959 | — | $959 | 6.04% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 2108 W. LABURNUM AVE SUITE 300 RICHMOND, VA 23227 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $149 | $1K | 17.09% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 260 | $208K |
| Vision | VISION SERVICE PLAN | 66 | $16K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 228 | $77K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 63 | $21K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 229 | $119K |
| Stop-loss / reinsurancereinsurance | HEALTHKEEPERS, INC. | 260 | $208K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 275 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.