| 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 | 5.69% |
| 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 | $45K | $8K | $54K | 11.44% |
| 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 | $21K | $4K | $25K | 12.78% |
| 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 | $16K | $3K | $19K | 12.79% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES, INC | P.O. BOX 436869 LOUISVILLE, KY 40253 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 11.43% |
| 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 | $8K | — | $8K | 13.19% |
| HUGO CHRISTOPHER GUCKERT3 Filed as: HUGO GUCKERT | 4817 DAVE RILL RD HAMPSTEAD, MD 21074 | TRANSAMERICA LIFE INSURANCE COMPANY | $851 | — | $851 | 3.31% |
| A ROBERTS ASSOCIATES INC3 | 4965 US HWY 42 STE 1000 LOUISVILLE, KY 40222 | TRANSAMERICA LIFE INSURANCE COMPANY | $397 | — | $397 | 1.54% |
| OLD COLONY INS SERVICE INC3 | P.O. BOX 327 CRESTWOOD, KY 40014 | TRANSAMERICA LIFE INSURANCE COMPANY | $236 | — | $236 | 0.92% |
| PROMPT PRODUCTIONS INC3 | 5400 LAUREL SPRINGS PKWY STE 1003 SUWANEE, GA 30024 | TRANSAMERICA LIFE INSURANCE COMPANY | $138 | — | $138 | 0.54% |
| SCU HOUSE ACCT3 | 1400 CENTERVIEW DR LITTLE ROCK, AR 72211 | TRANSAMERICA LIFE INSURANCE COMPANY | $26 | — | $26 | 0.10% |
| SHERMAN SNODGRASS3 | 236 LIONSGATE DRIVE ST AUGUSTINE, FL 32080 | TRANSAMERICA LIFE INSURANCE COMPANY | $21 | — | $21 | 0.08% |
| CLINTON GLASSCOCK3 | P.O. BOX 436869 LOUISVILLE, KY 40253 | TRANSAMERICA LIFE INSURANCE COMPANY | $15 | — | $15 | 0.06% |
| DANIEL MCMAHAN3 | 2600 EASTPOINT PKWY LOUISVILLE, KY 40223 | TRANSAMERICA LIFE INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| VICKI R. WILLIAMS3 Filed as: VICKI WILLIAMS | 111 N EWING AVE LOUISVILLE, KY 40206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 3.88% |
| 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 | $47 | — | $47 | 2.99% |
| RALPH E MYERS3 Filed as: RALPH MYERS | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 1.27% |
| WILLIAM H EARP3 Filed as: WILLIAM EARP | 8718 LANTERN LIGHT PKWY LOUISVILLE, KY 40220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.64% |
| JEFFREY D HARNED3 Filed as: JEFFREY HARNED | 13117 EASTPOINT PARK RD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.51% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.13% |
| GEORGE C NEWMAN3 Filed as: GEORGE NEWMAN | 22515 BARD AVE FAIRVIEW PARK, OH 44126 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES,INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $718K |
| BB&T INSURANCE SERVICES, INC | Other commissions Service code 55 | — | $47K |
| BB&T INSURANCE SERVICES,INC EIN 56-1623293 BROKER | Other commissions Service code 55 | P.O. BOX 436869 LOUISVILLE, KY 40253 | $0 |
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 | 1,149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 182 | $64K |
| Dental | DELTA DENTAL OF KENTUCKY | 2,685 | $534K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 2,648 | $104K |
| Life insurance(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,317 | $498K |
| Short-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,317 | $199K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,316 | $147K |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,317 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,685 | — |
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.