| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $15K | — | $15K | 4.03% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | OHIC PPO | $5K | — | $5K | 5.96% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $2K | — | $2K | 2.94% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 6.67% |
| BB&T BARGER INSURANCE NETWORK3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $104 | $2K | 4.13% |
| 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 | 9.00% |
| 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 | $85 | $1K | 6.45% |
| SABRINA ANN PARSONS3 Filed as: SABRINA PARSONS | PO BOX 2164 POQUOSON, VA 23662 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 6.06% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD SUITE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 2.48% |
| MRM & ASSOCS OF AMERICA LTD3 | 6265 SMOKEY RIDGE RD ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 1.59% |
| MICHELLE DAWN HYDE LAWSON3 | PO BOX 14 SHIPMAN, VA 22971 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 1.46% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.60% |
| COREY HYDE3 | 923 EAST MARKET STREET SUITE B CHARLOTTESVILLE, VA 22902 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.36% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE RD SUITE H1 NEW CASTLE, PA 16105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $269 | — | $269 | 9.01% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 82 | $545K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $46K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $49K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $19K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $46K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.