| 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, SUITE 200 SAVANNAH, GA 31401 | BLUECHOICE HEALTHPLAN | $21K | — | $21K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1020 DRAYTON STREET, SUITE 200 SAVANNAH, GA 31401 | GUARDIAN | $9K | $4K | $13K | 13.32% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY SUITE 300 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE | $1K | — | $1K | 18.04% |
| TURNKEY BENEFIT INSURANCE SERVICES Filed as: TURNKEY BENEFITS INC | P O BOX 1889 FORT MILL, SC 29716 | FIDELITY SECURITY LIFE INSURANCE | $136 | — | $136 | 2.36% |
| INSGROUP INC3 Filed as: CORRELL INSURANCE GROUP/ADAMS EADDY | 2230 DEVINE STREET COLUMBIA, SC 29205 | FEDERAL INSURANCE COMPANY | $378 | — | $378 | 14.98% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 80 | $521K |
| Dental | GUARDIAN | 105 | $98K |
| Vision | GUARDIAN | 105 | $98K |
| Life insurance | GUARDIAN | 105 | $98K |
| Short-term disability | GUARDIAN | 105 | $98K |
| Long-term disability | GUARDIAN | 105 | $98K |
| Prescription drug | BLUECHOICE HEALTHPLAN | 80 | $521K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 105 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.