| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3805 GLENWOOD AVE RALEIGH, NC 27612 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $79K | — | $79K | 8.09% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $27K | — | $27K | 2.75% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3805 GLENWOOD AVE RALEIGH, NC 27612 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $20K | — | $20K | 4.58% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $12K | — | $12K | 2.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICES PLAN | $8K | — | $8K | 2.52% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3805 GLENWOOD AVE RALEIGH, NC 27612 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $13K | — | $13K | 4.58% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $8K | — | $8K | 2.75% |
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 | 2,158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PLAN | 542 | $4.1M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 3,373 | $1.1M |
| Vision | VISION SERVICES PLAN | 142 | $303K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,230 | $975K |
| Short-term disability(2 contracts) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,750 | $298K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,948 | $433K |
| Other | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,228 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,373 | — |
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.