| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE ROAD SUITE F GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $20K | — | $20K | 10.75% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 436969 LOUISVILLE, KY 40253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 13.88% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES, INC | PO BOX 436969 LOUISVILLE, KY 40253 | UNITED OF OMAHA LIFE INURANCE COMPANY | $6K | $2K | $8K | 13.51% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 436969 LOUISVILLE, KY 402536969 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $345 | $1K | 13.25% |
| UNITED OF OMAHA LIFE INSURANCE CO Filed as: UNITED OF OMAHA LIFE INSURANCE COMP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | — |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES, INC | PO BOX 436969 LOUISVILLE, KY 402536969 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $997 | $325 | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $168K |
| USI MIDWEST, INC. EIN 31-0507943 BROKER | Other commissions Service code 55 | 308 NORTH 21ST STREET ST LOUIS, MO 63103 | $50K |
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 | 382 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 723 | $189K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 382 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INURANCE COMPANY | 382 | $63K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 295 | $321K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 382 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
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.