| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | P. O. BOX 896620 CHARLOTTE, NC 28289 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $49K | — | $49K | 2.80% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 113 SOUTH WAYNE AVENUE P. O. BOX 700 WAYNESBORO, VA 22980 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | — | $2K | $2K | 0.12% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | P. O. BOX 896620 CHARLOTTE, NC 28289 | GREATER GEORGIA LIFE INSURANCE COMPANY | $5K | — | $5K | 12.29% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 113 SOUTH WAYNE AVENUE P. O. BOX 700 WAYNESBORO, VA 22980 | GREATER GEORGIA LIFE INSURANCE COMPANY | — | $877 | $877 | 2.20% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 322 | $1.8M |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 322 | $1.8M |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 322 | $1.8M |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 129 | $40K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 129 | $40K |
| Other | GREATER GEORGIA LIFE INSURANCE COMPANY | 129 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.