| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 896620 CHARLOTTE, NC 28229 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $83K | — | $83K | 5.33% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 113 SOUTH WAYNE AVE WAYNESBORO, VA 22980 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | — | $3K | $3K | 0.16% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 276124954 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 21.32% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTE, NC 28289 | GREATER GEORGIA LIFE INSURANCE COMPANY | $8K | — | $8K | 13.44% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 113 SOUTH WAYNE AVE WAYNESBORO, VA 22980 | GREATER GEORGIA LIFE INSURANCE COMPANY | — | $787 | $787 | 1.30% |
| BB&T - STEPHENS3 | 1825 BARRETT LAKES BLVD. KENNESAW, GA 30144 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | 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. | 252 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 252 | $1.6M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 212 | $14K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 228 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $71K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 49 | $367K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 228 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.