| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEITH A KISER3 Filed as: KEITH KISER | PO BOX 168 WINSTON SALEM, NC 27102 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $22K | — | $22K | 2.48% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NE 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $1K | $16K | 14.96% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.68% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 168 WINSTON SALEM, NC 271020168 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 3.12% |
| BB&T - BLUE RIDGE BURKE3 Filed as: BB&T-BLUE RIDGE BURKE | PO BOX 168 WINSTON-SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | $5K | $761 | $5K | 34.88% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $780 | $780 | 5.00% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 187 | $892K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 217 | $72K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 217 | $72K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $109K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $109K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $109K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 187 | $892K |
| Other | UNION SECURITY INSURANCE COMPANY | 17 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.