| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $12K | — | $12K | 0.84% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $6K | — | $6K | 0.66% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE RIDGE INSURANCE SERVICES INC. | 116 RESEVOIR STREET HARRISONBURG, VA 22801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27K | — | $27K | 11.29% |
| DABNEY SCALES WELLFORD JR.3 | P. O. BOX 4765 CHARLOTTESVILLE, VA 22905 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | $405 | $24K | 9.75% |
| MICHELLE I MCADAMS3 | 1545 BOYERS ROAD HARRISONBURG, VA 22801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $3K | $14K | 5.70% |
| JOHN E CUMMINGS3 | P. O. BOX 5936 GLEN ALLEN, VA 23058 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $8K | 3.50% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $787 | — | $787 | 0.33% |
| DAVID E SHELL JR3 Filed as: DAVID E. SHELL JR. | 504 RAINBOW DRIVE STAUNTON, VA 24401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | — | $325 | 0.13% |
| JOHN STEWART WOODWORTH3 | 649 CHESTNUT AVENUE WAYNESBORO, VA 22980 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | $4 | $213 | 0.09% |
| RAYMOND B LINGLE3 Filed as: RAYMOND B. LINGLE | 192 SUMMERFIELD COURT ROANOKE, VA 24019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $13 | $97 | 0.04% |
| BB&T BARGER INSURANCE3 Filed as: BB&T - BARGER | P. O. BOX 700 WAYNESBORO, VA 22980 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 3.96% |
| BB&T - BLUE RIDGE BURKE3 | P. O. BOX 168 WINSTON SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | — | $9K | $9K | 3.77% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE RIDGE INSURANCE SERVICES INC. | 116 RESERVOIR STREET HARRISONBURG, VA 22801 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 2.76% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE, LLC | 875 AVENUE OF THE AMERICAS ROOM 1801 NEW YORK, NY 10001 | OXFORD HEALTH INSURANCE, INC. | $1K | — | $1K | 1.57% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | OXFORD HEALTH INSURANCE, INC. | $1K | — | $1K | 1.43% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | OHIC PPO | $549 | — | $549 | 0.78% |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | OPTIMA HEALTH PLAN | 285 | $2.7M |
| Dental | UNION SECURITY INSURANCE COMPANY | 437 | $241K |
| Vision | UNION SECURITY INSURANCE COMPANY | 437 | $241K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 437 | $241K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 437 | $241K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 437 | $241K |
| Other(4 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 437 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.