| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | PRINCIPAL LIFE INSURANCE COMPANY | — | $89K | $89K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $35K | $24K | $59K | 6.62% |
| BB&T BARGER INSURANCE NETWORK3 | ATTN COMM. MGR 414 GALLIMORE DAIRY GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $31K | $31K | 3.46% |
| BB&T INSURANCE SERVICES, INC.3 | COMMISSIONS PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $70K | — | $70K | 7.97% |
| BB&T INSURANCE SERVICES, INC.3 | 4309 EMPEROR BLVD, STE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | RELIASTAR LIFE INSURANCE COMPANY | $12K | $9K | $21K | 9.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $19K | — | $19K | 10.00% |
| BENEFIT COMMUNICATION SERVICES, INC3 Filed as: BENEFIT COMMUNICATION | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY (LIFE) | $7K | — | $7K | 5.59% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY (LIFE) | $2K | — | $2K | 1.75% |
| BB&T INSURANCE SERVICES, INC.3 | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | TRUSTMARK INSURANCE COMPANY (LIFE) | $849 | — | $849 | 0.70% |
| CRAIG ROWE3 | 422 SIMS LANE FRANKLIN, TN 37069 | TRUSTMARK INSURANCE COMPANY (LIFE) | $153 | — | $153 | 0.13% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 27409 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $1K | $8K | 14.29% |
| TIMOTHY C. FLANAGAN3 Filed as: TIMOTHY FLANAGAN, JR | 6000 FAIRVIEW ROAD STE 400 CHARLOTTE, NC 28210 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $1K | $2K | 4.49% |
| ADVANTAGE CAPITAL INSURANCE AGENCY3 | 2300 WINDY RIDGE PKWY SE STE 1100 ATLANTA, GA 30339 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| BB&T INSURANCE SERVICES, INC.3 | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40253 | ZURICH AMERICAN INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | MAGELLAN BEHAVIORAL HEALTH | $2K | — | $2K | 5.00% |
| BENEFIT COMMUNICATION SERVICES, INC3 Filed as: BENEFIT COMMUNICATION | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 13.02% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY | $718 | — | $718 | 4.14% |
| CRAIG ROWE3 | 422 SIMS LANE FRANKLIN, TN 37069 | TRUSTMARK INSURANCE COMPANY | $170 | — | $170 | 0.98% |
| BB&T INSURANCE SERVICES, INC.3 | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | TRUSTMARK INSURANCE COMPANY | $11 | — | $11 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $978K |
| BB&T INSURANCE SERVICES EIN 56-1623293 BROKER | Other commissions Service code 55 | PO BOX 436869 LOUISVILLE, KY 40253 | $0 |
| THE BENEFIT COMPANY INC EIN 57-0968080 BROKER | Other commissions Service code 55 | PO BOX 211486 COLUMBIA, SC 292216486 | $0 |
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 | 2,904 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,904 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,904 | $1.1M |
| Dental | DELTA DENTAL OF KENTUCKY | 2,788 | $884K |
| Vision | VISION SERVICE PLAN | 1,431 | $188K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,826 | $1.0M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,826 | $891K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,826 | $944K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 2,904 | $1.1M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,213 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,904 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.