| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 113 SOUTH WAYNE AVE P.O BOX 700 WAYNESBORO, VA 22980 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $21K | — | $21K | 2.99% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 113 S WAYNE AVENUE PO BOX 700 WAYNESBORO, VA 22980 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.16% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD. SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $39 | $3K | 4.36% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD. SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $669 | $669 | 1.01% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE RALEIGH, NC 276124954 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20 | $20 | 0.03% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 113 S WAYNE AVE. PO BOX 700 WAYNESBORO, VA 22980 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.97% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 113 S WAYNE AVENUE P.O BOX 700 WAYNESBORO, VA 22980 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $291 | — | $291 | 5.00% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 2 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 63 | $1.5M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF HAWAII | 198 | $532K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $72K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $40K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.