| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $854 | $31K | $32K | 5.11% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | MAITLAND OFFICE 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $11K | 25.29% |
| BETTY ROMERO3 Filed as: BETTY A. BRITT | 115 PALMETTO CT. OLDSMAR, FL 34677 | COLONIAL LIFE | $80 | — | $80 | 2.84% |
| PAT WILLIAMS INSURANCE CONSULTANTS3 | 18201 GULF BLVD REDINGTON SHORES, FL 33708 | COLONIAL LIFE | $34 | — | $34 | 1.21% |
| DES CHAMPS & GREGORY INC3 Filed as: DES CHAMPS/GREGORY INC | 1812 MANATEE AVE W BRADENTON, FL 34206 | COLONIAL LIFE | $32 | — | $32 | 1.14% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE | $32 | — | $32 | 1.14% |
| THOMAS WALLACE JR3 Filed as: THOMAS WALLACE | 4443 ROYAL TERN COURT JACKSONVILLE BEACH, FL 32250 | COLONIAL LIFE | $8 | — | $8 | 0.28% |
| PAMELA COPLE SMITH3 Filed as: PAMELA SMITH | 128 NORTH ZION STREET WINNSBORO, SC 29180 | COLONIAL LIFE | $3 | — | $3 | 0.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 NONE | Other services; Float revenue; Contract Administrator; Participant communication; Named fiduciary; Direct payment from the plan; Non-monetary compensation; Claims processing Service code 12 | — | $31K |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $629K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $629K |
| Short-term disability | COLONIAL LIFE | 5 | $3K |
| Long-term disability | COLONIAL LIFE | 5 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.