| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD S GREENSBORO, NC 27409 | OPTIMAHEALTH | $44K | — | $44K | 4.04% |
| BB&T SHOMO & LINEWEAVER INSURANCE3 Filed as: BB&T SHOMO & LINEWEAVER | 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | — | $20K | 9.93% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.19% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD S GREENSBORO, NC 27409 | OPTIMAHEALTH | $2K | — | $2K | 2.99% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE AIRY RD S GREENSBORO, NC 27409 | OPTIMAHEALTH | $2K | — | $2K | 3.53% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVE. SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.56% |
| LONA BISHOP3 | P. O. BOX 645 LURAY, VA 22835 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.87% |
| MARK WARE3 Filed as: MARK A. WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $232 | — | $232 | 0.71% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.28% |
| LONA BISHOP3 | P. O. BOX 645 LURAY, VA 22835 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.55% |
| MARK WARE3 Filed as: MARK A. WARE | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 0.72% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | OPTIMAHEALTH | 263 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 324 | $202K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 324 | $202K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 324 | $202K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 324 | $202K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 324 | $202K |
| Other(4 contracts, 2 carriers) | OPTIMAHEALTH | 48 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.