| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 17370 RICHMOND, VA 23226 | DELTA DENTAL OF VIRGINIA | $24K | — | $24K | 4.90% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 292216486 | DELTA DENTAL OF VIRGINIA | $14K | — | $14K | 2.94% |
| BB&T INSURANCE SERVICES, INC.3 | 2108 W LABURNUM AVE STE 310 RICHMOND, VA 23227 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $983 | $9K | 5.61% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 2.46% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 11.52% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 11.46% |
| BB&T INSURANCE SERVICES, INC.3 | 2108 W LABURNUM AVE STE 310 RICHMOND, VA 23227 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $620 | $13K | 13.36% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.54% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 9.62% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 292216486 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 9.59% |
| BB&T INSURANCE SERVICES, INC.3 | 2108 LABURNUM AVE STE 310 RICHMOND, VA 232267370 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $674 | $674 | 1.52% |
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 | 689 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 1,376 | $488K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 759 | $44K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 689 | $303K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 689 | $160K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 689 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,376 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.