| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BBT INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| BENEFIT COMPANY, INC. (THE)3 Filed as: BENEFIT COMPANY INC THE | PO BOX 211486 COLUMBIA, SC 292216486 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 1.00% |
| BB&T-CIC, INC3 | ATTN ACCOUNTING 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 3.00% |
| BB&T-CIC, INC3 | ATT ACCOUNTING 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 3.00% |
| BB&T-CIC, INC3 | ATTN ACCOUNTING 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 3.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BBT INSURANCE SERVICES, INC | P. O. BOX 896620 CHARLOTTE, NC 282896620 | VISION SERVICE PLAN | $2K | — | $2K | 3.47% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: BBT-CIC, INC. | ATTN ACCOUNTING 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $794 | $794 | 3.00% |
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 | 551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,144 | $278K |
| Vision | VISION SERVICE PLAN | 453 | $57K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 799 | $206K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 393 | $193K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 393 | $129K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 799 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,144 | — |
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.