| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $24K | — | $24K | 2.50% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 | P. O. BOX 168 WINSTON-SALEM, NC 27102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $488 | — | $488 | 0.26% |
| BB&T INSURANCE SERVICES, INC.3 | 2108 W. LABURNUM AVENUE, SUITE 310 P. O. BOX 17370 RICHMOND, VA 232267370 | AMERITAS LIFE INSURANCE CORP. | $5K | — | $5K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 | 47 AIRPARK COURT P.O. BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $3K | $3K | 2.91% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | OHIC PPO | $172 | — | $172 | 2.50% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 353 | $969K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 517 | $96K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 175 | $191K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 175 | $191K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 175 | $191K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 175 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.