| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFF MASSEY3 | 1825 BARRETT LAKES BLVD. NW SUITE 320 KENNESAW, GA 301447570 | PIEDMONT WELLSTAR HEALTHPLANS, INC. | $126K | — | $126K | 4.56% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1825 BARRETT LAKES BLVD #320 KENNESAW, GA 30144 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SEVICES INC. | 1825 BARRETT LAKES BLVD. SUITE 320 KENNESAW, GA 30152 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 25.00% |
| BB&T - BLUE RIDGE BURKE3 | P. O. BOX 168 WINSTON-SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 4.44% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $1K | — | $1K | 5.38% |
| R J K & ASSOCIATES INC3 Filed as: R.J.K. & ASSOCIATES INC. | 777 DREWRY STREET NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $113 | $207 | 2.60% |
| AHS & ASSOCIATES INC3 Filed as: AHS & ASSOCIATES, INC. | P. O. BOX 15087 AUGUSTA, GA 30919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 2.11% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | — | $116 | 1.46% |
| THE BOTTOMS GROUP LLC3 | 180 CHEROKEE STREET MARIETTA, GA 30060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 1.16% |
| SANTE CONCEPTS INC3 Filed as: SANTE CONCEPTS INC. | P. O. BOX 723533 ATLANTA, GA 311390533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $8 | $89 | 1.12% |
| PAMELA LOU RODGERS KLINGBEIL3 | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.80% |
| KLINGBEIL AND ASSOCIATES INC3 Filed as: KLINGBEIL AND ASSOCIATES INC. | 180 ALLEN ROAD NE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $15 | $61 | 0.77% |
| CARIE DEANNE CHANEY3 | 37 W. FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.69% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 W. FAIRMONT AVENUE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.50% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.25% |
| THE GRAHAM COMPANY3 Filed as: GRAHAM TYRE | P. O. BOX 369 NICHOLLS, GA 31554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.19% |
| PLM SOLUTIONS INC3 Filed as: PLM SOLUTIONS INC. | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.16% |
| BRADFORD W. MERRY3 | 822 AUMOND PLACE EAST AUGUSTA, GA 30909 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 1825 BARRETT LAKES BLVD. #320 KENNESAW, GA 30144 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PIEDMONT WELLSTAR HEALTHPLANS, INC. | 594 | $2.8M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 304 | $137K |
| Vision | VISION SERVICE PLAN | 157 | $21K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 405 | $16K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 41 | $8K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 41 | $8K |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 405 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.