| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $55K | $10K | $65K | 12.88% |
| 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 | $20K | $4K | $24K | 11.98% |
| 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 | $3K | $18K | 11.99% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | P. O. BOX 436869 LOUISVILLE, KY 402536869 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 9.91% |
| HUGO CHRISTOPHER GUCKERT3 Filed as: HUGO GUCKERT | 4817 DAVE RILL RD HAMPSTEAD, MD 21074 | TRANSAMERICA LIFE INSURANCE COMPANY | $442 | — | $442 | 3.38% |
| A ROBERTS ASSOCIATES INC3 | 4965 US HWY 42 STE 1000 LOUISVILLE, KY 40222 | TRANSAMERICA LIFE INSURANCE COMPANY | $163 | — | $163 | 1.25% |
| OLD COLONY INS SERVICE INC3 | P.O. BOX 327 CRESTWOOD, KY 40014 | TRANSAMERICA LIFE INSURANCE COMPANY | $131 | — | $131 | 1.00% |
| PROMPT PRODUCTIONS INC3 | 5400 LAUREL SPRINGS PKWY STE 1003 SUWANEE, GA 30024 | TRANSAMERICA LIFE INSURANCE COMPANY | $71 | — | $71 | 0.54% |
| ANTHONY S. ROBERTS3 | 4965 US HWY 42 SUITE 1000 LOUISVILLE, KY 40222 | TRANSAMERICA LIFE INSURANCE COMPANY | $22 | — | $22 | 0.17% |
| SCU HOUSE ACCT3 | 1400 CENTERVIEW DR LITTLE ROCK, AR 72211 | TRANSAMERICA LIFE INSURANCE COMPANY | $13 | — | $13 | 0.10% |
| OLD COLONY INS SERVICE INC3 Filed as: OLD COLONY INSURANCE SERVICE INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | TRANSAMERICA LIFE INSURANCE COMPANY | $12 | — | $12 | 0.09% |
| SHERMAN SNODGRASS3 | 236 LIONSGATE DRIVE ST AUGUSTINE, FL 32080 | TRANSAMERICA LIFE INSURANCE COMPANY | $11 | — | $11 | 0.08% |
| CLINTON GLASSCOCK3 | P.O. BOX 436869 LOUISVILLE, KY 40253 | TRANSAMERICA LIFE INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| DANIEL MCMAHAN3 | 2600 EASTPOINT PKWY LOUISVILLE, KY 40223 | TRANSAMERICA LIFE INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 111.07% |
| VICKI R. WILLIAMS3 Filed as: VICKI R WILLIAMS | 2910 KLONDIKE LANE LOUISVILLE, KY 40218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 3.56% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES,INC | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 2.80% |
| RALPH E MYERS3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 1.15% |
| WILLIAM H EARP3 | 8718 LANTERN LIGHT PKWY LOUISVILLE, KY 40220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.57% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK RD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.45% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.06% |
| GEORGE C NEWMAN3 | 22515 BARD AVE FAIRVIEW PARK, OH 44126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.06% |
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 | 1,315 | 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) | 1,315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,593 | $121K |
| Life insurance(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,315 | $523K |
| Short-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,315 | $205K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,315 | $151K |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,315 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,593 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.