| 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 | $67K | — | $67K | 13.43% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 292216486 | UNION SECURITY INSURANCE COMPANY | — | $20K | $20K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 | 250 W. FIRST STREET #100 PO BOX 168 WINSTON-SALEM, NC 271020168 | AMERITAS LIFE INSURANCE CORP. | $20K | — | $20K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 | 47 AIRPARK COURT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $6K | $6K | 1.63% |
| BB&T INSURANCE SERVICES, INC.3 | P. O. BOX 168 WINSTON-SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | $38K | — | $38K | 59.98% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 8.27% |
| CRUMP LIFE INSURANCE SERVICES3 | 280 S. 400 W SUITE 100 SALT LAKE CITY, UT 84101 | LLOYD'S OF LONDON | $10K | — | $10K | 28.57% |
| CRUMP LIFE INSURANCE SERVICES3 | 280 S. 400 W SUITE 100 SALT LAKE CITY, UT 84101 | LLOYD'S OF LONDON | $10K | — | $10K | 28.57% |
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 | 458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,042 | $393K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 605 | $48K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 479 | $498K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 479 | $498K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 479 | $498K |
| Other(5 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 479 | $632K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,042 | — |
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.