| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 282611478 | RELIANCE STANDARD LIFE INSURANCE | $114K | — | $114K | 5.03% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | PO BOX 168 WINSTON SALEM, NC 27102 | RELIANCE STANDARD LIFE INSURANCE | $28K | — | $28K | 1.24% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 WEST FRIENDLY AVENUE, STE 400 GREENSBORO, NC 27410 | RELIANCE STANDARD LIFE INSURANCE | $28K | — | $28K | 1.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: INGRAM-BROWN ASSOCIATES, INC | 4620 GRANDOVER PKWY GREENSBORO, NC 27407 | UNITED HEALTHCARE INSURANCE COMPANY | — | $54K | $54K | 2.91% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE, STE 201 RALEIGH, NC 27612 | UNITED HEALTHCARE INSURANCE COMPANY | — | $39K | $39K | 2.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 282611478 | RELIANCE STANDARD LIFE INSURANCE | $56K | — | $56K | 3.47% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | PO BOX 168 WINSTON SALEM, NC 27102 | RELIANCE STANDARD LIFE INSURANCE | $12K | — | $12K | 0.76% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 WEST FRIENDLY AVENUE, STE 400 GREENSBORO, NC 27410 | RELIANCE STANDARD LIFE INSURANCE | $12K | — | $12K | 0.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $10.7M |
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 | 17,576 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 17,576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 15,973 | $1.8M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE | 17,576 | $3.9M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 17,266 | $2.6M |
| Other | RELIANCE STANDARD LIFE INSURANCE | 17,576 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,576 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.