| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 200 W. VINE STREET SUITE 300 LEXINGTON, KY 40507 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $22K | — | $22K | 3.82% |
| BB&T INSURANCE SERVICES, INC.3 | 200 WEST VINE STREET SUITE 300 LEXINGTON, KY 40507 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 8.63% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 10.65% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 910610 LEXINGTON, KY 40507 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 173 | $577K |
| Dental | DELTA DENTAL OF KENTUCKY | 173 | $42K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 173 | $577K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 191 | $81K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 54 | $60K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 54 | $60K |
| Other(2 contracts) | UNION SECURITY INSURANCE COMPANY | 191 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.