| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | P.O. BOX 436869 LOUISVILLE, KY 402536869 | HUMANA HEALTH PLAN, INC. | $28K | $13K | $41K | 2.32% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 276124954 | HUMANA HEALTH PLAN, INC. | — | $9K | $9K | 0.49% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $9K | — | $9K | 7.83% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVE. RALEIGH, NC 27612 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.21% |
| BARNES INSURANCE AGENCY3 Filed as: BARNES INSURANCE AGENCY INC. | P. O. BOX 609 PIGEON FORGE, TN 37868 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $548 | — | $548 | 0.53% |
| JAMES D NORVELL3 | 113 NORTH MAIN STREET SUITE 1 CORBIN, KY 40701 | NORTHWESTERN MUTUAL | $2K | $431 | $2K | 16.62% |
| NM LOUISVILLE INC3 | 462 SOUTH 4TH STREET SUITE 1900 LOUISVILLE, KY 40202 | NORTHWESTERN MUTUAL | $414 | $36 | $450 | 3.26% |
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 | 337 | 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) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 262 | $1.8M |
| Dental | DELTA DENTAL OF KENTUCKY | 418 | $117K |
| Vision | HUMANA HEALTH PLAN, INC. | 262 | $1.8M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 426 | $103K |
| Long-term disability | NORTHWESTERN MUTUAL | 23 | $14K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 426 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.