| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 5850 WATERLOO ROAD, SUITE 240 COLUMBIA, MD 210451943 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 6.46% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | UNITED AMERICAN INSURANCE COMPANY | $492 | — | $492 | 2.50% |
| BB&T INSURANCE SERVICES, INC.3 | 5850 WATERLOO ROAD, SUITE 240 COLUMBIA, MD 21045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $933 | $135 | $1K | 6.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STRATEBEN, INC EIN 20-1643248 PLAN CONSULTANT | Consulting (general) Service code 16 | — | $66K |
| INTEGRA EMPLOYER HEALTH, LLC EIN 56-1392505 CONTRACT ADMINSTRATOR | Contract Administrator Service code 13 | — | $63K |
| MORGAN STANLEY EIN 26-4310632 NONE | Securities brokerage; Investment advisory (plan); Securities brokerage commissions and fees; Other investment fees and expenses; Direct payment from the plan Service code 27 | — | $26K |
| RETIREMENT HORIZONS INC. EIN 76-0551734 NONE | Actuarial Service code 11 | — | $24K |
| CURTIS BLAKELY & CO INC. EIN 75-1545734 NONE | Accounting (including auditing) Service code 10 | — | $14K |
| PCHS EIN 04-3138814 PPO PROVIDER | Contract Administrator Service code 13 | — | $13K |
| SAGE ADVISORY SERVICES LTD EIN 74-2798841 NONE | Investment management fees paid directly by plan Service code 51 | — | $7K |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 320 | $237K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 320 | $237K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 320 | $237K |
| Prescription drug | UNITED AMERICAN INSURANCE COMPANY | 10 | $20K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH, PA | 213 | $411K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.