| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 2108 WEST LABURNAM AVENUE SUITE 310 RICHMOND, VA 23227 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 9.21% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 3.00% |
| BB&T INSURANCE SERVICES, INC.3 | 2108 WEST LABURNAM AVENUE SUITE 310 RICHMOND, VA 23227 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | 4.15% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 2.99% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $1K | — | $1K | 3.53% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 17370 RICHMOND, VA 232267370 | KANAWHA INSURANCE COMPANY | $3K | — | $3K | 23.08% |
| BB&T INSURANCE SERVICES, INC.3 | 2108 WEST LABURNAM AVENUE RICHMOND, VA 23227 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 23.08% |
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 | 767 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 896 | $808K |
| Vision | VISION SERVICE PLAN | 386 | $39K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 815 | $137K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $135K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 815 | $137K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 896 | $808K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 896 | $808K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 815 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 896 | — |
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."
No prospect flags tripped on this filing.