| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3318 W. FRIENDLY AVENUE SUITE 400 GREENSBORO, NC 27410 | AETNA LIFE INSURANCE CO. | $21K | — | $21K | 13.75% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 W. FRIENDLY AVENUE SUITE 400 GREENSBORO, NC 27410 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 10.69% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $1K | — | $1K | 4.74% |
| BB&T INSURANCE SERVICES, INC.3 | 1825 BARRETT LAKES BLVD. SUITE 320 KENNESAW, GA 30152 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 24.95% |
| BB&T - BLUE RIDGE BURKE3 Filed as: BB&T BLUE RIDGE BURKE | P. O. BOX 168 WINSTON-SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | — | $760 | $760 | 4.30% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 664 | $144K |
| Vision | VISION SERVICE PLAN | 233 | $29K |
| Life insurance | AETNA LIFE INSURANCE CO. | 412 | $154K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 412 | $154K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 412 | $154K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 412 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.