| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T - PBM3 | 3318 WEST FRIENDLY AVE. 4TH FLOOR, SUITE 400 GREENSBORO, NC 27410 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 9.02% |
| BB&T - BLUE RIDGE BURKE3 | PO BOX 168 WINSTON SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | — | $3K | $3K | 2.66% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| BB&T - PBM3 | 3318 WEST FRIENDLY AVE. 4TH FLOOR, SUITE 400 GREENSBORO, NC 27410 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 12.04% |
| BB&T - BLUE RIDGE BURKE3 | PO BOX 168 WINSTON SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | — | $3K | $3K | 5.38% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 4.01% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE., STE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $1K | — | $1K | 4.77% |
| BB&T - PBM3 | 3318 WEST FRIENDLY AVE. 4TH FLOOR, SUITE 400 GREENSBORO, NC 27410 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 16.93% |
| BB&T - BLUE RIDGE BURKE3 | PO BOX 168 WINSTON SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 5.13% |
| BB&T - PBM3 | 3318 WEST FRIENDLY AVE. 4TH FLOOR, SUITE 400 GREENSBORO, NC 27410 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 11.95% |
| BB&T - BLUE RIDGE BURKE3 | PO BOX 168 WINSTON SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 4.64% |
| BB&T - PBM3 | 3318 WEST FRIENDLY AVE. 4TH FLOOR, SUITE 400 GREENSBORO, NC 27410 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 15.03% |
| BB&T - BLUE RIDGE BURKE3 | PO BOX 168 WINSTON SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 5.41% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $968 | $968 | 4.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $117K |
| BB&T INSURANCE SERVICES, INC. EIN 56-1623293 BROKER | Other commissions Service code 55 | — | $23K |
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 | 248 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 242 | $19K |
| Dental | UNION SECURITY INSURANCE COMPANY | 201 | $99K |
| Vision | VISION SERVICE PLAN | 167 | $29K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 248 | $24K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 248 | $53K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 242 | $147K |
| Other(5 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 248 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.