| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T HUFFAKER & TRIMBLE3 | 735 BROAD STREET, 6TH FLOOR CHATTANOOGA, TN 37402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $11K | $18K | 3.13% |
| BB&T INSURANCE SERVICES, INC.3 | 735 BROAD STREET, SUITE 100 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 18.33% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE, STE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $111K | — | $111K | 51.51% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.20% |
| SHARON MAY LINDSAY3 | 2911 STAGE RUN DRIVE HIXON, TN 37343 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $992 | $21 | $1K | 1.94% |
| KATHERINE C ROBERTS3 | 8846 PICADILLY TRAIL OOLTEWAH, TN 37363 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $308 | $6 | $314 | 0.60% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DR COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | — | $162 | 0.31% |
| TULLY AND COMPANY INC3 | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 0.18% |
| MAX MARTIN LINDSAY3 | 2911 STAGE RUN DRIVE HIXSON, TN 37343 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $2 | $88 | 0.17% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.11% |
| NATALIE YVONNE BAKER3 | 9206 MACON ROAD CORDOVA, TN 38016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.10% |
| J AUSTIN BAKER3 | PO BOX 770941 MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| NINA LEGATE3 | 430 WATERLOO WAY MARY ESTHER, FL 32569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| JOHN L MORRIS3 | 117 ALLISON STREET FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| SHERRON HOPPER3 | PO BOX 85206 LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| BONNIE J WENDELL3 | 2555 PALM AVE OVIEDO, FL 32765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| KLINGBELL AND ASSOCIATES INC3 | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| GENEVIEVE CARELLI3 | 547 CLEO LANE DELTONA, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $346 | — | $346 | 2.59% |
| SHARON MAY LINDSAY3 | 2911 STAGE RUN DRIVE HIXON, TN 37343 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $243 | $36 | $279 | 2.09% |
| KATHERINE C ROBERTS3 | 8846 PICADILLY TRAIL OOLTEWAH, TN 37363 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | $10 | $132 | 0.99% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DR COVINGTON, LA 70433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.43% |
| TULLY AND COMPANY INC3 | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.29% |
| MAX MARTIN LINDSAY3 | 2911 STAGE RUN DRIVE HIXSON, TN 37343 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $3 | $26 | 0.19% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| JOHN L MORRIS3 | 117 ALLISON STREET FORT MILL, SC 29715 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.06% |
| NATALIE YVONNE BAKER3 | 9206 MACON ROAD CORDOVA, TN 38016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| RAYMOND B LINGLE3 | 192 SUMMERFIELD COURT ROANOKE, VA 24019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| NINA LEGATE3 | 430 WATERLOO WAY MARY ESTHER, FL 32569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| REUBEN F JACOBS JR3 | 868 LAKE JACKSON CIRCLE APOPKA, FL 32703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| KLINGBEIL AND ASSOCIATES INC3 | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| RJK & ASSOCIATES INC3 | 777 DREWRY ST NE ATLANTA, GA 30306 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| LINDA B ALLEN3 | 110 MOUNTAIN VIEW DR ROCKY MOUNT, VA 24151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| GERALD L SPENCER3 | PO BOX 20753 ROANOKE, VA 24018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| BRANDI KAVANAUGH3 | 3150 AVE OF THE STARS FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD #F ATTN BONNIE EDWARDS GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | $8 | $1 | $9 | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $88K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 NONE | Insurance agents and brokers Service code 22 | — | $42K |
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 | 3,526 | 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) | 3,526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,547 | $560K |
| Vision | VISION SERVICE PLAN | 2,240 | $215K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 180 | $52K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,547 | $560K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,427 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,547 | — |
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.