| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T BARGER INSURANCE NETWORK3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $443 | $4K | 9.33% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | — | $98 | $98 | 0.25% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE RD, STE H1 NEW CASTLE, PA 16105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.13% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1425 SEMINOLE TRAIL 2ND FLOOR CHARLOTTESVILLE, VA 22906 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $127 | $1K | 7.55% |
| SABRINA ANN PARSONS3 Filed as: SABRINA PARSONS | 675 BENT OAKS DR UNIT 723 EARLYSVILLE, VA 22936 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $415 | — | $415 | 10.07% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $155 | — | $155 | 3.76% |
| MICHELLE DAWN HYDE LAWSON3 | PO BOX 14 SHIPMAN, VI 22971 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 2.62% |
| MRM & ASSOCS OF AMERICA LTD3 | 442 KING GEORGE AVE ROANOKE, VA 24016 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | — | $92 | 2.23% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NE 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 1.92% |
| COREY HYDE3 | 923 EAST MARKET STREET SUITE B CHARLOTTESVILLE, VA 22902 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 1.58% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE RD SUITE H1 NEW CASTLE, PA 16105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $318 | — | $318 | 20.70% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 66 | $504K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $39K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $40K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26 | $16K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $39K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 40 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.