| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 741 W LANIER AVE, STE 100 FAYETTEVILLE, GA 30214 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 9.88% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1020 DRAYTON STREET SUITE 200 SAVANNAH, GA 31401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 11.65% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1020 DRAYTON SUITE 200 SAVANNAH, GA 31401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 11.85% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1020 DRAYTON SUITE 200 SAVANNAH, GA 31401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.50% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1020 DRAYTON SUITE 200 SAVANNAH, GA 31401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $692 | — | $692 | 11.26% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1020 DRAYTON STREET SUITE 200 SAVANNAH, GA 31401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $533 | — | $533 | 11.45% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1020 DRAYTON STREET STE 200 SAVANNAH, GA 31401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $441 | — | $441 | 11.76% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 104 | $74K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 104 | $74K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $20K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $65K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 20 | $11K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.