| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVE, STE 201 RALEIGH, NC 27612 | DELTA DENTAL OF MISSOURI | $10K | — | $10K | 5.33% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $5K | $21K | 20.05% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVE, STE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $1K | — | $1K | 4.80% |
| MUNCIE ALAN RUSSELL3 | 5000 THURMOND MALL STE 311 COLUMBIA, SC 29201 | AFLAC | $2K | $107 | $2K | 8.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JON DAYTON WILLIS JR | 1338 EBERHART AVE COLUMBUS, GA 31906 | AFLAC | $937 | $46 | $983 | 4.79% |
| TERRANCE M LUCZAJ3 | 1201 MAIN ST, STE 2300 COLUMBIA, SC 29201 | AFLAC | $259 | $21 | $280 | 1.37% |
| PAULA J FAMBROUGH3 Filed as: PAULA FAMBROUGH | 325 SPEARS CREEK CHURCH RD APT 211 ELGIN, SC 29045 | AFLAC | $210 | $0 | $210 | 1.02% |
| RYAN HINES3 | 3675 MILITARY ROAD ARLINGTON, VA 22207 | AFLAC | $191 | — | $191 | 0.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: ASHLEY WILLIS | 126 VILLAGE PKWY NORTH AUGUSTA, SC 29841 | AFLAC | $143 | — | $143 | 0.70% |
| DAVID R MORRISON3 | 902 W POPLAR RD STERLING, VA 20164 | AFLAC | $93 | — | $93 | 0.45% |
| JOHN B COLLINS3 | 311 PEBBLE HOLLOW DR MILLEDGEVILLE, GA 31061 | AFLAC | $84 | — | $84 | 0.41% |
| CHUCK MCDANIEL3 | 1224 PEACOCK AVE, SUITE 205A COLUMBUS, GA 31906 | AFLAC | $71 | — | $71 | 0.35% |
| JOHN D TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $47 | $21 | $68 | 0.33% |
| INSURANCE MARKETPLACE LLC3 Filed as: INSURANCE MARKETPLACE INC | 10400 EATON PL, STE 400 FAIRFAX, VA 22030 | AFLAC | $66 | — | $66 | 0.32% |
| DANNY TRAN3 | 3150 PERIMETER PKWY, STE 115 AUGUSTA, GA 30909 | AFLAC | $50 | $9 | $59 | 0.29% |
| CHARLES F GREER3 | 2888 ALOMA LAKE RUN OVIEDO, FL 32765 | AFLAC | $53 | — | $53 | 0.26% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $47 | — | $47 | 0.23% |
| RICHARD SMITHSON3 | 449 TIMBER PL MILTON, GA 31906 | AFLAC | $38 | $9 | $47 | 0.23% |
| UNKNOWN3 | 11821 PARKLAWN DR, STE 125 ROCKVILLE, MD 20852 | AFLAC | $47 | — | $47 | 0.23% |
| RICHARD CARTER SR3 Filed as: RICHARD K CARTER SR | 1224 PEACOCK AVE, SUITE 205 COLUMBUS, GA 31906 | AFLAC | $46 | — | $46 | 0.22% |
| RICK RICHARDSON3 | 161 PONTIAC BUSINESS CTR DR, #1020 ELGIN, SC 29045 | AFLAC | $37 | — | $37 | 0.18% |
| PETE E KHALAF3 | 13005 CARNEY ST SILVER SPRING, MD 20906 | AFLAC | $30 | — | $30 | 0.15% |
| LESTER D PARK3 | 203 CLEARMEADOW DR COLUMBIA, SC 29229 | AFLAC | $28 | — | $28 | 0.14% |
| KERRY C EZZELL3 | PO BOX 15074 AUGUSTA, GA 30919 | AFLAC | $25 | — | $25 | 0.12% |
| TARRAH SMITHSON3 Filed as: TARRAH L SMITHSON | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $24 | — | $24 | 0.12% |
| WILLIAM M WARDLAW JR3 | 5300 OAKBROOK PKWY BLDG 300 STE 350 NORCROSS, GA 30093 | AFLAC | $12 | $9 | $21 | 0.10% |
| KIMMON R GUSEMAN3 | 48 NICKMAN PLZ LEMONT FURNANCE, PA 15456 | AFLAC | $18 | — | $18 | 0.09% |
| LYNETTE KAY DUTTON3 | 131 COUNTRYSIDE DRIVE FOREST CITY, NC 28043 | AFLAC | $10 | — | $10 | 0.05% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $9 | — | $9 | 0.04% |
| DANIEL FITZGERALD INC3 | 3672 BAY PT AUGUSTA, GA 30907 | AFLAC | $9 | — | $9 | 0.04% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON RD, 14TH FLOOR COLUMBUS, GA 31999 | AFLAC | $6 | — | $6 | 0.03% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY BLDG 300 STE 350 NORCROSS, GA 30093 | AFLAC | $0 | — | $0 | 0.00% |
| TIMOTHY M COLTON3 | 2849 FOREST WOOD DR MARIETTA, GA 30066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 1.22% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC | PO BOX 211486 COLUMBIA, SC 29221 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 1.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.63% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 224 | $2.2M |
| Dental | DELTA DENTAL OF MISSOURI | 448 | $188K |
| Vision | VISION SERVICE PLAN | 185 | $28K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $108K |
| Short-term disability | AFLAC | 39 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $106K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 224 | $2.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.