| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $10K | — | $10K | 7.99% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVE. RALEIGH, NC 27612 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.65% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 168 WINSTON-SALEM, NC 27102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $627 | — | $627 | 0.58% |
| JAMES D NORVELL3 | 113 NORTH MAIN STREET SUITE 1 CORBIN, KY 40701 | NORTHWESTERN MUTUAL | $2K | $417 | $2K | 14.24% |
| NM LOUISVILLE INC3 | 462 SOUTH 4TH STREET SUITE 1900 LOUISVILLE, KY 40202 | NORTHWESTERN MUTUAL | $401 | $35 | $436 | 2.79% |
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 | 381 | 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) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BAPTIST HEALTH PLAN, A HEALTH MAINTENANCE ORGANIZATION | 336 | $1.8M |
| Dental | DELTA DENTAL OF KENTUCKY | 404 | $121K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 381 | $108K |
| Long-term disability | NORTHWESTERN MUTUAL | 24 | $16K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 381 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.