| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T - ILER WALL & SHONTER INS3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 3.12% |
| BB&T BARGER INSURANCE NETWORK3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.61% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.50% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 800 49TH STREET N ST. PETERSBURG, FL 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $649 | $14K | 11.65% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 800 49TH STREET N ST. PETERSBURG, FL 33710 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $786 | $17K | 14.51% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 800 49TH STREET N ST. PETERSBURG, FL 33710 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $683 | $14K | 12.79% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 800 49TH ST N ST. PETERSBURG, FL 33710 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $273 | $3K | 9.71% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $334 | $3K | 9.36% |
| JAMES H. VAN EPPS3 Filed as: JAMES H VAN EPPS | 10930 CRABAPPLE RD STE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.62% |
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 | 1,179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 414 | $3.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 773 | $329K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 414 | $3.8M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,056 | $229K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,056 | $112K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $114K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,056 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,056 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.