| 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 STE 201 PO BOX 31128 RALEIGH, NC 27622 | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | — | $282K | $282K | 2.10% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | $6K | $54K | 11.02% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 850 CONCOURSE PARKWAY MAITLAND, FL 32751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | — | $54K | 14.94% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 850 CONCOURSE PARKWAY MAITLAND, FL 32751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | — | $37K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $17K | $2K | $19K | 11.08% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $13K | — | $13K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $2K | $15K | 17.87% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 850 CONCOURSE PARKWAY MAITLAND, FL 32751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
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 | 1,746 | 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) | 1,746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 1,274 | $13.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,403 | $666K |
| Vision | VISION SERVICE PLAN | 1,013 | $131K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,680 | $359K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 766 | $85K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 910 | $247K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,715 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,715 | — |
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."
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.