| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 200 W. VINE STREET SUITE 300 LEXINGTON, KY 40507 | ANTHEM HEALTH PLANS OF KENTUCKY | $25K | $0 | $25K | 2.86% |
| BB&T INSURANCE SERVICES, INC.3 | P.O. BOX 436869 LOUISVILLE, KY 40253 | ANTHEM HEALTH PLANS OF KENTUCKY | $0 | $196 | $196 | 0.02% |
| BB&T-EBS/CROMWELL3 | P.O. BOX 910610 LEXINGTON, KY 40507 | UNION SECURITY INSURANCE COMPANY | $10K | $0 | $10K | 11.93% |
| BB&T - BLUE RIDGE BURKE3 | P.O. BOX 168 WINSTON-SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | $0 | $4K | $4K | 5.21% |
| BB&T INSURANCE SERVICES, INC.3 | COMMISIONS PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $7K | — | $7K | 9.78% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY | 317 | $866K |
| Dental | DELTA DENTAL OF KENTUCKY | 281 | $73K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY | 317 | $866K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 217 | $84K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 217 | $84K |
| Other | UNION SECURITY INSURANCE COMPANY | 217 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.