| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 W FRIENDLY AVE, STE 400 GREENSBORO, NC 37410 | AETNA LIFE INSURANCE CO. | — | $8K | $8K | 0.80% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 W FRIENDLY AVE, STE 400 GREENSBORO, NC 37410 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 0.80% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 W FRIENDLY AVE, STE 400 GREENSBORO, NC 37410 | AETNA LIFE INSURANCE CO. | — | $7K | $7K | 0.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 240 S PINEAPPLE AVE, SUITE 301 SARASOTA, FL 34236 | AETNA LIFE INSURANCE CO. | $749 | — | $749 | 0.08% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 W FRIENDLY AVE, STE 400 GREENSBORO, NE 37410 | AETNA LIFE INSURANCE CO. | — | $324 | $324 | 0.03% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 W FRIENDLY AVE, STE 400 GREENSBORO, NC 37410 | AETNA LIFE INSURANCE CO. | — | $23 | $23 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 W FRIENDLY AVE, STE 400 GREENSBORO, NC 37410 | AETNA LIFE INSURANCE CO. | — | -$347 | -$347 | -0.04% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES, INC | PO BOX 4927 ORLANDO, FL 328024927 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | PO BOX 491636 LEESBURG, FL 347491636 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $474 | — | $474 | 2.33% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 4927 ORLANDO, FL 328024927 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 17.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | PO BOX 491636 LEESBURG, FL 347491636 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $579 | — | $579 | 2.95% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 4927 ORLANDO, FL 328024927 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | PO BOX 491636 LEESBURG, FL 347491636 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $185 | — | $185 | 1.36% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 267 | $936K |
| Dental | AETNA LIFE INSURANCE CO. | 267 | $936K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 83 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 64 | $20K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 83 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.