| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T - BLUE RIDGE BURKE3 | PO BOX 168 WINSTON-SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | $70K | $22K | $92K | 17.29% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 292216486 | UNION SECURITY INSURANCE COMPANY | — | $21K | $21K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 | 250 W. FIRST STREET #100 PO BOX 168 WINSTON-SALEM, NC 271020168 | AMERITAS LIFE INSURANCE CORP. | $23K | — | $23K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 | 47 AIRPARK COURT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $7K | $7K | 1.63% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 9.31% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 7.30% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.62% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 110 S. STRATFORD ROAD SUITE 303 WINSTON-SALEM, NC 27104 | LLOYD'S OF LONDON | $8K | — | $8K | 23.81% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $585 | — | $585 | 10.36% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $567 | — | $567 | 10.05% |
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 | 617 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,344 | $454K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 809 | $64K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 561 | $529K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 561 | $529K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 561 | $529K |
| Other(4 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 561 | $628K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,344 | — |
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.