| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA3 Filed as: CIGNA HEALTH AND LIFE INSURANCE COM | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $84K | $84K | 19.66% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE # 190 RALEIGH, NC 27612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $59K | — | $59K | 13.77% |
| BB&T INSURANCE SERVICES, INC.3 | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 27410 | AMERITAS LIFE INSURANCE GROUP | $15K | — | $15K | 8.00% |
| BB&T INSURANCE SERVICES, INC.3 | 47 AIRPARK CT PO BOX 27149 GREENVILLE, NC 29616 | AMERITAS LIFE INSURANCE GROUP | — | $6K | $6K | 3.09% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES, INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | PRINCIPLE LIFE INSURANCE COMPANY | $20K | — | $20K | 12.80% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | PRINCIPLE LIFE INSURANCE COMPANY | $0 | $8K | $8K | 4.94% |
| BB&T BARGER INSURANCE NETWORK3 | ATTN CONMISSIOS MANAGER 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | PRINCIPLE LIFE INSURANCE COMPANY | — | $918 | $918 | 0.59% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $428K |
| Dental | AMERITAS LIFE INSURANCE GROUP | 0 | $184K |
| Vision | AMERITAS LIFE INSURANCE GROUP | 0 | $184K |
| Life insurance | PRINCIPLE LIFE INSURANCE COMPANY | 0 | $154K |
| Short-term disability | PRINCIPLE LIFE INSURANCE COMPANY | 0 | $154K |
| Long-term disability | PRINCIPLE LIFE INSURANCE COMPANY | 0 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.