| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B B AND T INSURANCE SERVICES INC3 | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $58K | — | $58K | 5.53% |
| B B AND T INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F MAIL CODE 534-01-01-15 GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $15K | 11.84% |
| B B AND T INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE 2ND FLOOR ACCOUNTING RALEIGH, NC 27612 | SUN LIFE ASSURANCE COMPANY | $4K | — | $4K | 10.40% |
| THE BENEFIT COMPANY INC3 | P O BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 16.76% |
| B B AND T INSURANCE SERVICES INC3 Filed as: B B AND T INSURANCE SERVICES | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 16.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| B B AND T INSURANCE SERVICES INC CLAIMS PROCESSING | Claims processing Service code 12 | 3605 GLENWOOD AVENUE 2ND FLOOR ACCOUNTING RALEIGH, NC 27612 | $1K |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 172 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 283 | $126K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 283 | $126K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY | 133 | $42K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY | 133 | $42K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 283 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
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.