| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $293K | $37K | $330K | 9.51% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $102K | — | $102K | 4.90% |
| BB&T INSURANCE SERVICES, INC.3 | 200 W. VINE STREET SUITE 300 LEXINGTON, KY 40507 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $38K | — | $38K | 12.02% |
| BB&T INSURANCE SERVICES, INC.3 | 543 S EVANS ST GREENVILLE, NC 27858 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | $8K | $8K | 2.64% |
| MAGELLAN HEALTH SERVICES, INC.3 Filed as: MAGELLAN HEALTHCARE | 14100 MAGELLAN PLAZA MARYLAND HEIGHTS, MO 63043 | MAGELLAN HEALTHCARE | $30K | — | $30K | 100.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | HYATT LEGAL PLANS | $941 | $105 | $1K | 21.52% |
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 | 9,064 | 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) | 9,064 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 10,279 | $2.1M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 11,292 | $317K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 11,308 | $3.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 11,308 | $3.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 11,308 | $3.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,308 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,308 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.