| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | — | BAPTIST HEALTH PLAN | $18K | — | $18K | 0.96% |
| HOUCHENS INSURANCE3 | — | BAPTIST HEALTH PLAN | $15K | — | $15K | 0.82% |
| BB&T INSURANCE SERVICES, INC.3 | COMMISSION PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 4.76% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 505 WELLINGTON WAY LEXINGTON, KY 40503 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 3.10% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.80% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $932 | — | $932 | 0.97% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 168 WINSTON-SALEM, NC 27102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $276 | — | $276 | 0.29% |
| JAMES D NORVELL3 | 113 N MAIN STREET SUITE 1 CORBIN, KY 40701 | NORTHWESTERN MUTUAL | $2K | $434 | $2K | 16.83% |
| NM LOUISVILLE INC3 Filed as: NM LOUISVILLE, INC. | 462 S 4TH STREET SUITE 1900 LOUISVILLE, KY 40202 | NORTHWESTERN MUTUAL | $414 | $37 | $451 | 3.30% |
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 | 391 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BAPTIST HEALTH PLAN | 349 | $1.9M |
| Dental | DELTA DENTAL OF KENTUCKY | 419 | $112K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 391 | $96K |
| Long-term disability | NORTHWESTERN MUTUAL | 25 | $14K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 391 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.