| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 Filed as: THE BENEFITS COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $27K | — | $27K | 3.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | $14K | $22K | 2.43% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVE RALEIGH, NC 27612 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $22K | $7K | $29K | 6.66% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $13K | — | $13K | 3.00% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $15K | — | $15K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVE RALEIGH, NC 27612 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $13K | $4K | $17K | 6.62% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | — | $8K | 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 | 2,196 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PLAN | 585 | $3.6M |
| Vision | VISION SERVICE PLAN | 1,434 | $300K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,157 | $912K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 104 | $253K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,894 | $437K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,157 | $912K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,157 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.