| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 276120000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $77K | $77K | 3.97% |
| BB&T INSURANCE SERVICES, INC.3 | 850 CONSOURSE PKWY S SUITE 200 MAITLAND, FL 32751 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 3.58% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD. SUITE F GREENSBORO, NE 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $1K | $17K | 11.59% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 850 CONCOURSE PARKWAY S SUITE 200 MAINLAND, FL 32751 | UNITED CONCORDIA INSURANCE COMPANY | $8K | $2K | $10K | 12.00% |
| BB&T INSURANCE SERVICES, INC.3 | 850 CONCOURSE PARKWAY S SUITE 200 MAITLAND, FL 32751 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $646 | $6K | 17.93% |
| BB&T INSURANCE SERVICES, INC.3 | 850 CONCOURSE PKWY S SUITE 200 MAITLAND, FL 32751 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.96% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 206 | $1.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 206 | $2.0M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $176K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $219K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.