| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | COMMISSION PROCESSING UNIT GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $12K | — | $12K | 4.82% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT CO INC | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF KENTUCKY | $752 | — | $752 | 0.31% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 436969 LOUISVILLE, KY 402536969 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $5K | $25K | 14.94% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 436969 LOUISVILLE, KY 402536969 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $3K | $18K | 14.34% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 436969 LOUISVILLE, KY 402536969 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $2K | $16K | 13.73% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 436969 LOUISVILLE, KY 402536969 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | — | $24K | 38.40% |
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 | 607 | 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) | 607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 999 | $241K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 625 | $207K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 623 | $167K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 624 | $115K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 625 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 999 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.