| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1020 DRAYTON STREET SECOND FLOOR, SUITE 200 SAVANNAH, GA 31401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $5K | $32K | 18.16% |
| ELIZABETH ZIEGLER3 | P. O. BOX 1068 COOKEVILLE, TN 38503 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $3K | — | $3K | 9.98% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 1420 NEAL STREET, SUITE 101 P. O. BOX 1068 COOKEVILLE, TN 385031068 | KANAWHA INSURANCE COMPANY | $3K | — | $3K | 16.02% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 1420 NEAL STREET SUITE 101 COOKEVILLE, TN 38503 | KANAWHA INSURANCE COMPANY | $373 | — | $373 | 17.94% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1420 NEAL ST, SUITE 101 PO BOX 1068 COOKEVILLE, TN 385031068 | KANAWHA INSURANCE COMPANY | $147 | — | $147 | 13.93% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 1420 NEAL STREET SUITE 101 COOKEVILLE, TN 38503 | KANAWHA INSURANCE COMPANY | $55 | — | $55 | 12.33% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 1420 NEAL STREET SUITE 101 COOKEVILLE, TN 38503 | KANAWHA INSURANCE COMPANY | $186 | — | $186 | 48.44% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 1420 NEAL STREET SUITE 101 COOKEVILLE, TN 38503 | KANAWHA INSURANCE COMPANY | $103 | — | $103 | 46.40% |
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 | 473 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 378 | $35K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $192K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $176K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $176K |
| Other(7 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.