| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES, INC | 3318 W. FRIENDLY AVE GREENSBORO, NC 27410 | AETNA LIFE INSURANCE CO. | $65K | — | $65K | 2.81% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INCURANCE COMPANY | — | $6K | $6K | 4.00% |
| BB&T3 | 3318 W FRIENDLY AVE GREENSBORO, NC 27410 | UNION SECURITY INCURANCE COMPANY | $5K | — | $5K | 3.00% |
| BB&T3 | PO BOX 169 WINSTON SALEM, NC 27102 | UNION SECURITY INCURANCE COMPANY | — | $2K | $2K | 1.47% |
| BB&T3 | 338 W FRIENDLY AVE GREENSBORO, NC 27410 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 12.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| BB&T3 | PO BOX 168 WINSTON SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 3.01% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE. RALEIGH, NC 27612 | VISION SERVICE PLAN | — | $1K | $1K | 4.80% |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 520 | $2.3M |
| Dental | UNION SECURITY INCURANCE COMPANY | 211 | $158K |
| Vision | VISION SERVICE PLAN | 116 | $28K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 289 | $60K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 289 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.