| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | GREENSBORO GREENSBORO, NC 27401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $187K | $3K | $190K | 5.24% |
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES INC. | 3975 FAIR RIDGE DRIVE STE NI FAIRFAX, VA 22033 | AMERITAS | $8K | $861 | $9K | 5.54% |
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES INC. | P.O. BOX 17370 RICHMOND, VA 23226 | CIGNA GROUP INSURANCE | $15K | — | $15K | 9.52% |
| THE BENEFIT COMPANY INC Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $6K | $6K | 4.00% |
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES INC. | P.O. BOX 17370 RICHMOND, VA 23226 | CIGNA GROUP INSURANCE | $9K | — | $9K | 9.18% |
| THE BENEFIT COMPANY INC Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 1211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $4K | $4K | 4.00% |
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES INC. | P.O. BOX 17370 RICHMOND, VA 23226 | CIGNA GROUP INSURANCE | $5K | — | $5K | 9.29% |
| THE BENEFIT COMPANY INC Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $2K | $2K | 4.00% |
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES INC. | P.O. BOX 17370 RICHMOND, VA 23226 | CIGNA GROUP INSURANCE | $445 | — | $445 | 10.01% |
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 | 245 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 782 | $3.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 782 | $3.8M |
| Vision | AMERITAS | 466 | $160K |
| Life insurance | CIGNA GROUP INSURANCE | 0 | $94K |
| Short-term disability | CIGNA GROUP INSURANCE | 0 | $56K |
| Long-term disability | CIGNA GROUP INSURANCE | 0 | $160K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 782 | $3.6M |
| Other | CIGNA GROUP INSURANCE | 0 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 782 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.