| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | O.B. BOX 4927 ORLANDO, FL 32802 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 8.25% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $10K | $24K | 14.97% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 5.00% |
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 | 447 | 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) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 508 | $224K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 508 | $224K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 447 | $161K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 447 | $161K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 447 | $161K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 447 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.