| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 168 WINSTON-SALEM, NC 27102 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $41K | $41K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE, STE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $5K | $8K | 9.06% |
| CONSOLIDATED PLANNING HOLDINGS3 | 4201 CONGRESS STREET SUITE 295 CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.01% |
| BB&T INSURANCE SERVICES, INC.3 | 3318 WEST FRIENDLY AVENUE GREENSBORO, NC 27410 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.30% |
| BB&T INSURANCE SERVICES, INC.3 | 3318 WEST FRIENDLY AVENUE GREENSBORO, NC 27410 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.92% |
| DAVID R. CONNOR3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $466 | — | $466 | 3.88% |
| R & R INSURANCE SERVICES INC3 Filed as: R&R INSURANCE SERVICES, INC. | PO BOX 1276 SHALLOTTE, NC 28459 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $369 | — | $369 | 3.07% |
| ERIC A RITTER3 Filed as: ERIC A. RITTER | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $367 | — | $367 | 3.05% |
| ANDY C. HESTER3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137 | — | $137 | 1.14% |
| ANN MARIE COOPER3 | 101 LANIER LANDING COURT CAROLINA BEACH, NC 28428 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 0.62% |
| STEPHANIE PRICE3 | 1201 FLORAL PARKWAY WILMINGTON, NC 28403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.39% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $795 | — | $795 | 7.06% |
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 174 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $93K |
| Vision | VISION SERVICE PLAN | 78 | $11K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $26K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.