| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 3318 WEST FRIENDLY AVENUE SUITE 400 GREENSBORO, NC 27410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $3K | $35K | 10.85% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC | P.O. BOX 211486 COLUMBIA, SC 29221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 3.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $2K | $29K | 10.85% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 3.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | — | $20K | 11.01% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | 3605 GLENWOOD AVENUE PO BOX 190 RALEIGH, NE 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 10.64% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.17% |
| BB&T INSURANCE SERVICES, INC.3 | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $839 | $71 | $910 | 10.84% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $252 | $252 | 3.00% |
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 | 1,494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 366 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,525 | $266K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 584 | $325K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 584 | $333K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 2,103 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,103 | — |
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.