| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEITH A KISER3 | PO BOX 168 WINSTON-SALEM, NC 27102 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | — | $5K | $5K | 0.21% |
| 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 | $19K | $7K | $25K | 13.53% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $28K | — | $28K | 15.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $9K | — | $9K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD DRIVE RALEIGH, NC 27612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 12.50% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE STE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE | $6K | — | $6K | 15.29% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE | $6K | — | $6K | 15.27% |
| 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 | $3K | — | $3K | 10.73% |
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 | 431 | 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) | 432 | 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 | 556 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 434 | $188K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 527 | $30K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 468 | $273K |
| Short-term disability | USABLE LIFE | 468 | $188K |
| Long-term disability | USABLE LIFE | 468 | $188K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 556 | $2.4M |
| Other | USABLE LIFE | 468 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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.