| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B B AND T INSURANCE SERVICES INC3 | 414 GAILLMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $37K | — | $37K | 3.80% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $28K | — | $28K | 2.85% |
| B B AND T INSURANCE SERVICES INC3 | 113 SOUTH WAYNE AVE P O BOX 700 WAYNESBORO, VA 22980 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | — | $2K | $2K | 0.22% |
| B B AND T INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE 2ND FLOOR ACCOUNTING RALEIGH, NC 27612 | SUN LIFE ASSURANCE COMPANY | $3K | — | $3K | 6.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | SUN LIFE ASSURANCE COMPANY | $2K | — | $2K | 4.57% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | GREATER GEORGIA LIFE INSURANCE COMPANY | $872 | — | $872 | 5.75% |
| B B AND T INSURANCE SERVICES INC3 | 113 SOUTH WAYNE AVENUE P O BOX 700 WAYNESBORO, VA 22980 | GREATER GEORGIA LIFE INSURANCE COMPANY | — | $704 | $704 | 4.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 CLAIMS ADMINISTRATION | Claims processing; Contract Administrator; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1K |
| B B AND T INSURANCE SERVICES INC CLAIMS PROCESSING | Claims processing Service code 12 | 3605 GLENWOOD AVENUE 2ND FLOOR ACCOUNTING RALEIGH, NC 27612 | $57 |
| EDGEWOOD PARTNERS INSURANCE CENTER CLAIMS PROCESSING | Claims processing Service code 12 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | $48 |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 169 | $969K |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA INC | 204 | $88K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA INC | 204 | $88K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 101 | $15K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY | 142 | $45K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY | 142 | $45K |
| Other | SUN LIFE ASSURANCE COMPANY | 142 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.