| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUGH G HINES3 | 121 E MAIN STREET DANVILLE, KY 40422 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 0.55% |
| JOHN W. ROSS3 | 214 E CENTER STREET KINGSPORT, TN 37660 | NORTHWESTERN MUTUAL | $3K | $786 | $4K | 0.42% |
| PROCTOR W BLAIR3 | 416 HIGH STREET PARIS, KY 40361 | NORTHWESTERN MUTUAL | $3K | $729 | $4K | 0.39% |
| MICHAEL TROUT3 Filed as: MICHAEL EDWARD CULLIGAN | 214 E CENTER STREET KINGSPORT, TN 37660 | NORTHWESTERN MUTUAL | $2K | $380 | $2K | 0.20% |
| NM LOUISVILLE INC3 Filed as: NM LOUISVILLE, INC. | 462 S 4TH STREET, SUITE 1900 LOUISVILLE, KY 40202 | NORTHWESTERN MUTUAL | $2K | $139 | $2K | 0.17% |
| CHARLES NATHANIEL JENKINS3 | 208 SUNSET DRIVE, SUITE 401 JOHNSON CITY, TN 37604 | NORTHWESTERN MUTUAL | $622 | $148 | $770 | 0.08% |
| CHARLES ROBERT PRUETT3 | 1600 DIVISION STREET, SUITE 400 NASHVILLE, TN 37203 | NORTHWESTERN MUTUAL | $583 | $51 | $634 | 0.06% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $85K | $2K | $87K | 15.37% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | COMMISSION PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $24K | — | $24K | 7.48% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE, SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 13.02% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 15.00% |
| BB&T INS SER INC-LOUISVILLE3 | PO BOX 436869 LOUISVILLE, KY 402536869 | THE DENTAL CONCERN, INC. | $6K | $3K | $9K | 14.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| AIS - BENEFIT CONCEPTS LLC3 | 13101 MAGISTERIAL DR LOUISVILLE, KY 40223 | CENTRAL UNITED LIFE INSURANCE COMPANY | $397 | — | $397 | 2.17% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES, LOUISVILLE | ATTN BONNIE EDWARDS 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $545 | — | $545 | 10.00% |
| AIS - BENEFIT CONCEPTS LLC3 | 13101 MAGISTERIAL DR LOUISVILLE, KY 40223 | CENTRAL UNITED LIFE INSURANCE COMPANY | $77 | — | $77 | 1.55% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES INC. | — | HUMANA HEALTH PLAN, INC. | $71 | $12K | $12K | 349.21% |
| BB&T INSURANCE SERVICES, INC.3 | ATTN BONNIE EDWARDS 414 GALLIMORE DAIRY ROAD, SUITE F GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 2.02% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | ATTN BONNIE EDWARDS 414 GALLIMORE DAIRY ROAD, SUITE F GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 2.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | 13101 MAGISTERIAL DR STE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | — | $164 | 17.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $438K |
| BB&T INSURANCE SERVICES EIN 56-1623293 BROKER | Other commissions Service code 55 | — | $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 | 932 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 0 | $4K |
| Dental | DELTA DENTAL OF KENTUCKY | 1,249 | $315K |
| Vision | THE DENTAL CONCERN, INC. | 521 | $63K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 920 | $566K |
| Long-term disability(5 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 926 | $1.0M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,521 | $496K |
| Other(7 contracts, 5 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 917 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,521 | — |
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.