| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 436869 LOUISVILLE, KY 40253 | HUMANA INSURANCE COMPANY | — | $105K | $105K | 42.13% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $930 | $930 | 1.49% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $648 | $648 | 1.49% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.33% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 436869 LOUISVILLE, KY 40253 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 479 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | 145 | $30K |
| Dental(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 479 | $122K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 479 | $109K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 381 | $74K |
| Short-term disability | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | 145 | $30K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 337 | $62K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 381 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.