| 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 | $56K | — | $56K | 8.56% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT CO INC | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF KENTUCKY | $15K | — | $15K | 2.30% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $67K | $10K | $77K | 15.66% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $49K | $7K | $56K | 15.60% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES, INC | 200 W VINE ST, STE 300 LEXINGTON, KY 40507 | KANAWHA INSURANCE COMPANY/HUMANA | $36K | — | $36K | 23.08% |
| 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. | $12K | $25K | $38K | 30.63% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 113 SOUTH WAYNE AVE PO BOX 700 WAYNESBORO, VA 22980 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | $2K | $2K | 1.73% |
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 | 1,791 | 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) | 1,791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 2,776 | $656K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,301 | $122K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,769 | $492K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,769 | $359K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,769 | $649K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,776 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.