| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INS SER INC - ALPHARETTA3 | PO BOX 2190 ALPHARETTA, GA 300232190 | HUMANA | $42K | — | $42K | 4.49% |
| BB&T INS SER INC - ALPHARETTA3 | PO BOX 2190 ALPHARETTA, GA 300232190 | HUMANA | $5K | $1K | $6K | 7.05% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SVCS INC | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124959 | ALLSTATE / AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 30.78% |
| FRANCISCO COMBES3 | 426 COLLEGIATE DR POWDER SPRINGS, GA 30127 | ALLSTATE / AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | — | $20K | 29.90% |
| BB&T INS SERVICES INC3 | 3100 ROYAL BLVD SOUTH ALPHARETTA, GA 30022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 20.00% |
| BB&T INS SERVICES INC3 | 3100 ROYAL BLVD SOUTH ALPHARETTA, GA 30022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 25.00% |
| BB&T INS SERVICES INC3 | 3100 ROYAL BLVD SOUTH ALPHARETTA, GA 30022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 25.00% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 179 | $937K |
| Dental | HUMANA | 165 | $83K |
| Vision | HUMANA | 165 | $83K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $24K |
| Short-term disability | ALLSTATE / AMERICAN HERITAGE LIFE INSURANCE COMPANY | 83 | $68K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $54K |
| Prescription drug | HUMANA | 179 | $937K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.