| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | COMMISSIONS PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $75K | — | $75K | 7.99% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $85K | $85K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 | 4309 EMPEROR BLVD, STE 300 DURHAM, NC 277038046 | PRINCIPAL LIFE INSURANCE COMPANY | $33K | — | $33K | 3.88% |
| BB&T BARGER INSURANCE NETWORK3 | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.68% |
| BB&T INSURANCE SERVICES, INC.3 | 4309 EMPEROR BLVD, STE 300 DURHAM, NC 277038046 | RELIASTAR LIFE INSURANCE COMPANY | $27K | $0 | $27K | 10.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 292216486 | RELIASTAR LIFE INSURANCE COMPANY | $14K | $11K | $25K | 9.00% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 274099693 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 2.06% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $20K | — | $20K | 10.00% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 2977 SIDCO DRIVE NASHVILLE, KY 37204 | TRUSTMARK INSURANCE COMPANY (LIFE) | $6K | — | $6K | 5.09% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY (LIFE) | $2K | — | $2K | 1.54% |
| BB&T INSURANCE SERVICES, INC.3 | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | TRUSTMARK INSURANCE COMPANY (LIFE) | $759 | — | $759 | 0.69% |
| CRAIG ROWE3 | 422 SIMS LANE FRANKLIN, TN 37069 | TRUSTMARK INSURANCE COMPANY (LIFE) | $127 | — | $127 | 0.12% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 274099509 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $574 | $7K | 9.14% |
| TIMOTHY C. FLANAGAN3 Filed as: TIMOTHY FLANAGAN, JR | 4350 CONGRESS ST, STE 300 CHARLOTTE, NC 282090009 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $962 | $3K | 3.54% |
| ADVANTAGE CAPITAL INSURANCE AGENCY3 | 2300 WINDY RIDGE PKWY SE STE 1100 ATLANTA, GA 303395665 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.02% |
| BB&T INSURANCE SERVICES, INC.3 | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40253 | ZURICH AMERICAN INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40253 | BANNER LIFE INSURANCE COMPANY | $3K | — | $3K | 7.39% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | BANNER LIFE INSURANCE COMPANY | $3K | — | $3K | 6.15% |
| TENNESSEE BROKERAGE AGENCY3 | PO BOX 11767 KNOXVILLE, TN 37919 | BANNER LIFE INSURANCE COMPANY | $887 | — | $887 | 2.04% |
| BB&T INSURANCE SERVICES, INC.3 | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | MAGELLAN BEHAVIORAL HEALTH | $2K | — | $2K | 5.00% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY | $114 | — | $114 | 5.84% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD, STE. F GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY | $28 | — | $28 | 1.44% |
| CRAIG ROWE3 | 422 SIMS LANE FRANKLIN, TN 37069 | TRUSTMARK INSURANCE COMPANY | $17 | — | $17 | 0.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $955K |
| BB&T INSURANCE SERVICES EIN 56-1623293 BROKER | Other commissions Service code 55 | PO BOX 436869 LOUISVILLE, KY 402536869 | $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 | 3,020 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTPORT INSURANCE CORPORATION | 2,402 | $410K |
| Dental | DELTA DENTAL OF KENTUCKY | 3,020 | $934K |
| Vision | VISION SERVICE PLAN | 1,573 | $199K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,864 | $1.0M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,864 | $853K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,864 | $928K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 1,934 | $368K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,300 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,020 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.