| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3375 CAPITAL CIRCLE NE BUILDING B TALLAHASSEE, FL 323083778 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $455 | $17K | 10.27% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY | P. O. BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 3.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3375 B CAPITAL CIRCLE NE TALLAHASSEE, FL 323083778 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 3.00% |
| BB&T-LANDRUM YAEGER3 | 3375-B CAPITAL CIRCLE NE TALLAHASSEE, FL 32308 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 3.75% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 2.00% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL HEALTH PLAN | 272 | $1.7M |
| Dental | UNION SECURITY INSURANCE COMPANY | 158 | $101K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $166K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $166K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $166K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.