| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVC INC LOUISVILLE | PO BOX 436869 LOUISVILLE, KY 402536869 | HUMANA HEALTH PLAN, INC. | $76K | $37K | $113K | 4.40% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES INC. | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | $29K | $4K | $33K | 14.88% |
| BB&T INS SER INC-LOUISVILLE3 Filed as: BB&T INS SER INC - LOUISVILLE | PO BOX 436869 LOUISVILLE, KY 402536869 | THE DENTAL CONCERN, INC. | $22K | $7K | $30K | 15.31% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC LOUISVILLE | PO BOX 436869 LOUISVILLE, KY 402536869 | HUMANA INSURANCE COMPANY OF KENTUCKY | $4K | $1K | $5K | 3.93% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC LOUISVILLE | PO BOX 436869 LOUISVILLE, KY 402536869 | KANAWHA INSURANCE COMPANY | $491 | $45 | $536 | 6.39% |
| MEDLINK INC3 Filed as: MEDLINK INC CENTRAL KY | PO BOX 23570 LOUISVILLE, KY 402230570 | KANAWHA INSURANCE COMPANY | $21 | $417 | $438 | 5.22% |
| JAMES P BARTA3 | 7980 NEW LAGRANGE RD LOUISVILLE, KY 402224767 | KANAWHA INSURANCE COMPANY | $2 | — | $2 | 0.02% |
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 | 667 | 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) | 667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC. | 406 | $2.7M |
| Dental | THE DENTAL CONCERN, INC. | 398 | $194K |
| Vision | THE DENTAL CONCERN, INC. | 398 | $194K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 659 | $224K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 659 | $224K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 659 | $224K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 659 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.