| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3318 W. FRIENDLY AVE. STE. 400 GREENSBORO, NC 27410 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $0 | $17K | 1.77% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B. P. INSURANCE SERVICES, INC. | 130 THEORY STE 200 IRVINE, CA 92617 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | $0 | $6K | 0.98% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3318 W. FRIENDLY AVE. STE. 400 GREENSBORO, NC 27410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.78% |
| BB&T INSURANCE SERVICES, INC.3 | 3318 W. FRIENDLY AVE. STE. 400 GREENSBORO, NC 27410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.85% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3318 W. FRIENDLY AVE. STE. 400 GREENSBORO, NC 27410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.80% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE. RALIEGH, NC 27612 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.88% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE. RALEIGH, NC 27612 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.81% |
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 | 1,710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 39 | $950K |
| Vision(2 contracts) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,271 | $166K |
| Life insurance(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,707 | $1.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 971 | $188K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,707 | $1.2M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,707 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,707 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.