| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 250 W FIRST ST WINSTON SALEM, NC 27102 | CIGNA GROUP INSURANCE | $22K | $303 | $23K | 8.11% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC. | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $13K | — | $13K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 250 W FIRST ST WINSTON SALEM, NC 27102 | CIGNA GROUP INSURANCE | $37K | $507 | $38K | 14.88% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 250 W FIRST ST WINSTON SALEM, NC 27102 | CIGNA GROUP INSURANCE | $20K | $397 | $20K | 8.16% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 250 W FIRST ST WINSTON SALEM, NC 27102 | CIGNA GROUP INSURANCE | $4K | $6K | $11K | 4.97% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 250 W FIRST ST WINSTON SALEM, NC 27102 | CIGNA GROUP INSURANCE | $13K | $342 | $13K | 8.21% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 250 W FIRST ST WINSTON SALEM, NC 27102 | CIGNA GROUP INSURANCE | $8K | $89 | $8K | 15.18% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 250 W FIRST ST WINSTON SALEM, NC 27102 | CIGNA GROUP INSURANCE | $974 | $1K | $2K | 4.95% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE | $28K | — | $28K | 59.13% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | ALLSTATE | $26K | — | $26K | 59.82% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | ALLSTATE | $15K | — | $15K | 58.93% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 250 W FIRST ST WINSTON SALEM, NC 27102 | CIGNA GROUP INSURANCE | $2K | $40 | $2K | 8.16% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | ALLSTATE | $6K | — | $6K | 52.26% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | ALLSTATE | $6K | — | $6K | 57.59% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 250 W FIRST ST WINSTON SALEM, NC 27102 | CIGNA GROUP INSURANCE | $204 | $288 | $492 | 4.83% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | ALLSTATE | $4K | — | $4K | 54.08% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | ALLSTATE | $4K | — | $4K | 63.72% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | ALLSTATE | $4K | — | $4K | 66.37% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | ALLSTATE | $3K | — | $3K | 65.42% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | ALLSTATE | $3K | — | $3K | 64.91% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | ALLSTATE | $2K | — | $2K | 52.09% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | ALLSTATE | $16 | — | $16 | 5.95% |
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 | 2,159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PLAN | 317 | $1.0M |
| Life insurance(3 contracts) | CIGNA GROUP INSURANCE | 2,159 | $709K |
| Short-term disability | CIGNA GROUP INSURANCE | 1,892 | $164K |
| Long-term disability(2 contracts) | CIGNA GROUP INSURANCE | 1,745 | $328K |
| Other(17 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 2,159 | $722K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,159 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.