| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T-OTT & COMPANY3 | 3100 ROYAL BOULEVARD SOUTH ALPHARETTA, GA 30002 | UNION SECURITY INSURANCE COMPANY | $15K | $0 | $15K | 9.05% |
| BB&T - BLUE RIDGE BURKE3 Filed as: BB&T-BLUE RIDGE BURKE | PO BOX 168 WINSTON-SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | $0 | $9K | $9K | 5.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS & BLUE SHIELD OF ALABAMA EIN 63-0103830 | Contract Administrator Service code 13 | 450 RIVERHASE PARKWAY EAST BIRMINGHAM, AL 35298 | $242K |
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 | 949 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 749 | $123K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 498 | $168K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 498 | $168K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 498 | $168K |
| Other | UNION SECURITY INSURANCE COMPANY | 498 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 749 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.