| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3400 CROASDAILE DR, STE 206 DURHAM, NC 27705 | STANDARD INSURANCE COMPANY | $130K | $21K | $151K | 16.46% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | — | $24K | $24K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | — | $23K | 3.77% |
| BB&T BARGER INSURANCE NETWORK3 | 414 GALLIMORE DAIRY STE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $3K | $11K | 1.78% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $13K | $28K | 5.40% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | 3800 FERNANDINA ROAD SUITE 200 COLUMBIA, SC 29221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 3400 CROASDAILE DRIVE #206 DURHAM, NC 27705 | GENWORTH LIFE INSURANCE COMPANY | $58K | — | $58K | 15.70% |
| BB&T BARGER INSURANCE NETWORK3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $536 | $17K | 20.71% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.02% |
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 | 1,912 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 629 | $519K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,454 | $536K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 984 | $12.5M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 639 | $603K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 854 | $1.5M |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 879 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,454 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.