| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES,INC | 414 GALLIMORE RD STE F GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $30K | — | $30K | 5.42% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES, INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $43K | $2K | $45K | 10.55% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES,INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $19K | $1K | $20K | 10.50% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES,INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $15K | $804 | $16K | 11.40% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES, INC | P.O. BOX 436869 LOUISVILLE, KY 40253 | THE DENTAL CONCERN, INC. | $11K | $5K | $17K | 14.61% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 17.38% |
| HUGO CHRISTOPHER GUCKERT3 Filed as: HUGO GUCKERT | 4817 DAVE RILL RD HAMPSTEAD, MD 21074 | TRANSAMERICA LIFE INSURANCE COMPANY | $899 | — | $899 | 3.27% |
| A ROBERTS ASSOCIATES INC3 | 4965 US HWY 42 STE 1000 LOUISVILLE, KY 40222 | TRANSAMERICA LIFE INSURANCE COMPANY | $416 | — | $416 | 1.51% |
| OLD COLONY INS SERVICE INC3 | P.O. BOX 327 CRESTWOOD, KY 40014 | TRANSAMERICA LIFE INSURANCE COMPANY | $253 | — | $253 | 0.92% |
| PROMPT PRODUCTIONS INC3 | 5400 LAUREL SPRINGS PKWY STE 1003 SUWANEE, GA 30024 | TRANSAMERICA LIFE INSURANCE COMPANY | $145 | — | $145 | 0.53% |
| SCU HOUSE ACCT3 | 1400 CENTERVIEW DR LITTLE ROCK, AR 72211 | TRANSAMERICA LIFE INSURANCE COMPANY | $26 | — | $26 | 0.09% |
| SHERMAN SNODGRASS3 | 236 LIONSGATE DRIVE ST AUGUSTINE, FL 32080 | TRANSAMERICA LIFE INSURANCE COMPANY | $22 | — | $22 | 0.08% |
| CLINTON GLASSCOCK3 | P.O. BOX 436869 LOUISVILLE, KY 40253 | TRANSAMERICA LIFE INSURANCE COMPANY | $13 | — | $13 | 0.05% |
| DANIEL MCMAHAN3 | 2600 EASTPOINT PKWY LOUISVILLE, KY 40223 | TRANSAMERICA LIFE INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| VICKI R. WILLIAMS3 Filed as: VICKI WILLIAMS | 111 N EWING AVE LOUISVILLE, KY 40206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 3.70% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES,INC | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 2.86% |
| RALPH E MYERS3 Filed as: RALPH MYERS | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 1.17% |
| WILLIAM H EARP3 Filed as: WILLIAM EARP | 8718 LANTERN LIGHT PKWY LOUISVILLE, KY 40220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.58% |
| JEFFREY D HARNED3 Filed as: JEFFREY HARNED | 13117 EASTPOINT PARK RD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.45% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.06% |
| GEORGE C NEWMAN3 Filed as: GEORGE NEWMAN | 22515 BARD AVE FAIRVIEW PARK, OH 44126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES,INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $674K |
| BB&T INSURANCE SERVICES,INC EIN 56-1623293 BROKER | Other commissions Service code 55 | P.O. BOX 436869 LOUISVILLE, KY 40253 | $44K |
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 | 1,132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 183 | $65K |
| Dental | DELTA DENTAL OF KENTUCKY | 2,597 | $545K |
| Vision | THE DENTAL CONCERN, INC. | 838 | $115K |
| Life insurance(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,273 | $456K |
| Short-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,273 | $194K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,272 | $144K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,273 | $454K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,597 | — |
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.