| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF SC | — | $48K | $48K | 0.46% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | PO BOX 27149 COLUMBIA, SC 29616 | BLUE CROSS BLUE SHIELD OF SC | $25K | — | $25K | 0.24% |
| BB&T - BOYLE VAUGHAN3 | 2000 CENTER POINT RD, STE 2400 COLUMBIA, SC 29210 | UNION SECURITY INSURANCE COMPANY | $26K | — | $26K | 8.69% |
| BB&T - BOYLE VAUGHAN3 | 2000 CENTER POINT RD, STE 2400 COLUMBIA, SC 29210 | UNION SECURITY INSURANCE COMPANY | $23K | — | $23K | 8.69% |
| BB&T - BOYLE VAUGHAN3 | 200 CENTER POINT RD, STE 2400 COLUMBIA, SC 29210 | UNION SECURITY INSURANCE COMPANY | $21K | — | $21K | 8.69% |
| BB&T - BOYLE VAUGHAN3 | 2000 CENTER POINT RD, STE 2400 COLUMBIA, SC 29210 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 8.69% |
| BB&T - BOYLE VAUGHAN3 | PO BOX 8628 COLUMBIA, SC 29202 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 9.93% |
| BB&T - BOYLE VAUGHAN3 | PO BOX 8628 COLUMBIA, SC 29202 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 9.99% |
| BB&T - BOYLE VAUGHAN3 | PO BOX 8628 COLUMBIA, SC 29202 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 9.97% |
| BB&T - BOYLE VAUGHAN3 | 200 CENTER POINT RD, STE 2400 COLUMBIA, SC 29210 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 8.70% |
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 | 1,153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 281 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SC | 1,079 | $10.5M |
| Dental | BLUE CROSS BLUE SHIELD OF SC | 1,079 | $10.5M |
| Vision | UNION SECURITY INSURANCE COMPANY | 513 | $94K |
| Life insurance(3 contracts) | UNION SECURITY INSURANCE COMPANY | 1,406 | $419K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 1,153 | $380K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 1,153 | $263K |
| Other | UNION SECURITY INSURANCE COMPANY | 387 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,406 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.