| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 2600 EASTPOINT PARKWAY SUITE F LOUISVILLE, KY 40223 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $39K | — | $39K | 4.69% |
| BB&T INSURANCE SERVICES, INC.3 | 1020 DRAYTON STREET 2ND FLOOR, SUITE 200 SAVANNAH, GA 31401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 21.75% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 13.36% |
| RJK & ASSOCIATES INC3 Filed as: RJK & ASSOCIATES, INC. | 777 DREWRY STREET NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $368 | $1K | 4.40% |
| TANYA EDWARDS3 | 806 RIVER RUN DR ATLANTA, GA 30350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $407 | $709 | $1K | 3.55% |
| SANTE CONCEPTS INC3 Filed as: SANTE CONCEPTS, INC. | PO BOX 723533 ATLANTA, GA 31139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $760 | $108 | $868 | 2.76% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $536 | $214 | $750 | 2.38% |
| KLINGBEIL AND ASSOCIATES INC3 Filed as: KLINGBEIL AND ASSOCIATES, INC. | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $270 | $192 | $462 | 1.47% |
| PETER WILLIAM CUERVO3 Filed as: PETER WILLIAM CUERO | 4664 SW 159 AVE MIAMI, FL 33185 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.27% |
| FELICIA FRANKLIN-WARNER3 | 10813 STARLING TRAIL HAMPTON, GA 30228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.23% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS INC. | 9085 BETHEL ROAD GAINSVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $23 | $45 | 0.14% |
| CATLINA MARIE CALVO3 | 13105 SW 95TH AVE MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.12% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS INC. | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $11 | $33 | 0.10% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $4 | $14 | 0.04% |
| GEOVANNY ENCARNACION3 | 8051 SOUTHGATE BLVD N LAUDERDALE, FL 33068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| ASSURED BENEFIT SERVICES INC3 Filed as: ASSURED BENEFIT SERVICES, INC. | 77C MILLARD FARMER INDUSTRIAL BLVD. SUITE 102 NEWNAN, GA 30263 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.02% |
| CORA JOURNEY3 | 7563 NW 70TH AVE PARKLAND, FL 33067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| JOSEPH GLENN EVANS3 | 4312 DIAMOND TERRACE WESTON, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 2600 EASPOINT PARKWAY LOUISVILLE, KY 40223 | GREATER GEORGIA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.79% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $518 | — | $518 | 13.82% |
| RJK & ASSOCIATES INC3 Filed as: RJK & ASSOCIATES, INC. | 777 DREWRY STREET NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 2.56% |
| SANTE CONCEPTS INC3 Filed as: SANTE CONCEPTS, INC. | 94 BARLETT WAY DALLAS, GA 30157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.91% |
| FELECIA FRANKLIN-WARNER3 | 10813 STARLING TRAIL HAMPTON, GA 30228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.19% |
| KLINGBEIL AND ASSOCIATES INC3 Filed as: KLINGBEIL AND ASSOCIATES, INC. | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.16% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $67 | — | $67 | 2.97% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 190 | $822K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 190 | $855K |
| Vision | VISION SERVICE PLAN | 121 | $2K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $54K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $33K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $33K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.