| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 4927 ORLANDO, FL 328024927 | UNITEDHEALTHCARE INSURANCE COMPANY | $71K | — | $71K | 4.99% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD. SUITE F GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.09% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.82% |
| BB&T BARGER INSURANCE NETWORK3 | 414 GALLIMORE DAIRY RD. SUITE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | — | $649 | $649 | 0.57% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 4927 MAITLAND, FL 328024927 | AMERITAS LIFE INSURANCE CORPORATION | $885 | — | $885 | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 | 47 AIRPARK CT. PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORPORATION | — | $228 | $228 | 2.58% |
| BOB MCCLOSKEY AGENCY, LLC3 | 76 MAIN STREET MATAWAN, NJ 07747 | FEDERAL INSURANCE COMPANY | $464 | — | $464 | 23.00% |
| BB&T INSURANCE SERVICES, INC.3 | 850 CONCOURSE PARKWAY S SUITE 200 MAITLAND, FL 327516145 | COMPBENEFITS | $24 | — | $24 | 7.02% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $1.4M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $114K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 64 | $9K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $114K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $114K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.