| 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 ST, STE 300 LEXINGTON, KY 40507 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $42K | $3K | $45K | 3.01% |
| BB&T INSURANCE SERVICES, INC.3 | 113 SOUTH WAYNE AVENUE WAYNESBORO, VA 22980 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | $287 | $287 | 0.02% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 2600 EASTPOINT PKWY SUITE 200 LOUISVILLE, KY 40223 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | $3K | $12K | 11.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 950 BRECKENRIDGE LANE SUITE 50 LOUISVILLE, KY 40207 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD STE F GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $13K | — | $13K | 18.33% |
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 | 182 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 338 | $1.5M |
| Dental | DELTA DENTAL OF KENTUCKY | 313 | $69K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 338 | $1.5M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 183 | $105K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 183 | $105K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 183 | $105K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 201 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.