| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIM L. KETCHUM3 Filed as: KIM KETCHUM | 806 GREEN VALLEY ROAD SUITE 206 GREENSBORO, NC 27408 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.38% |
| BB&T INSURANCE SERVICES, INC.3 | 3318 WEST FRIENDLY AVENUE SUITE 400 GREENSBORO, NC 274104885 | AMERITAS LIFE INSURANCE CORP. | $8K | — | $8K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 | 47 AIRPARK COURT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $3K | $3K | 3.60% |
| KIM L. KETCHUM3 Filed as: KIM KETCHUM | 3608 WEST FRIENDLY AVENUE SUITE 107 GREENSBORO, NC 27410 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.38% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $1K | — | $1K | 5.43% |
| KIM L. KETCHUM3 | 806 GREEN VALLEY #206 GREENSBORO, NC 27408 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $666 | — | $666 | 14.99% |
| KIM L. KETCHUM3 | 806 GREEN VALLEY #206 GREENSBORO, NC 27408 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $475 | — | $475 | 14.98% |
| KIM L. KETCHUM3 | 806 GREEN VALLEY #206 GREENSBORO, NC 27408 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $422 | — | $422 | 14.99% |
| KIM L. KETCHUM3 | 806 GREEN VALLEY #206 GREENSBORO, NC 27408 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $360 | — | $360 | 14.99% |
| KIM L. KETCHUM3 | 806 GREEN VALLEY #206 GREENSBORO, NC 27408 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $236 | — | $236 | 14.97% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 268 | $80K |
| Vision | VISION SERVICE PLAN | 105 | $21K |
| Life insurance(4 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $184K |
| Short-term disability(3 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $181K |
| Long-term disability(4 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $183K |
| Other(3 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.