| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | 1020 DRAYTON STREET 2ND FLOOR STE 200 SAVANNAH, GA 31401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $7K | $22K | 14.60% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD DRIVE RALEIGH, NC 27612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 12.50% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 20.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE STE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE | $7K | — | $7K | 21.82% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE | $7K | — | $7K | 21.71% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 250 WEST 1ST STREET STE 100 WINSTON-SALEM, NE 27101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 12.04% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $585 | $585 | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $323 | — | $323 | 10.02% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $161 | $161 | 4.99% |
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 | 382 | 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) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 503 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 418 | $150K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 513 | $29K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 267 | $186K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 59 | $23K |
| Long-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 63 | $45K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 503 | $2.1M |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 267 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.