| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 200 W. VINE STREET LEXINGTON, KY 40507 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $24K | — | $24K | 3.72% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 902 PRICES FORK ROAD SUITE 2000 BLACKSBURG, VA 24060 | AMERITAS LIFE INSURANCE CORP | $2K | $1K | $3K | 8.31% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 113 S. WAYNE AVENUE WAYNESBORO, VA 22980 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.53% |
| EBENCONCEPTS COMPANY3 Filed as: EBENCONCEPTS | 921-C S. MCPHERSON CHURCH ROAD FAYETTEVILLE, NC 28303 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $561 | — | $561 | 2.47% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SVCS INC | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 22.79% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 107 | $651K |
| Dental | AMERITAS LIFE INSURANCE CORP | 116 | $36K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 115 | $23K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 107 | $651K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 115 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.