| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INS SER INC-LOUISVILLE3 Filed as: BB&T INS SER INC - LOUISVILLE | PO BOX 436869 LOUISVILLE, KY 402536869 | UNITEDHEALTHCARE INSURANCE COMPANY | $93K | — | $93K | 3.55% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD GREENSBORO, NE 27409 | HEALTH CARE SERVICE CORPORATION | $45K | $9 | $45K | 6.83% |
| GLACIER GROUP LLC3 Filed as: GLACIER GROUP, LLC | 54 W. SEEGERS RD ARLINGTON HEIGHTS, IL 60005 | HEALTH CARE SERVICE CORPORATION | $9K | $4 | $9K | 1.34% |
| KAMM INSURANCE GROUP3 | 300 S. WACKER DRIVE SUITE 1000 CHICAGO, IL 60606 | HEALTH CARE SERVICE CORPORATION | — | $398 | $398 | 0.06% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $3K | $33K | 11.50% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | METROPOLITAN LIFE INSURANCE COMPANY | — | $80 | $80 | 0.03% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | 3605 GLENWOOD AVENUE RALEIGH, NE 27612 | PRINCIPAL LIFE INSURANCE COMPANY | $32K | — | $32K | 12.66% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC LOUISVILLE | PO BOX 436869 LOUISVILLE, KY 402536869 | KANAWHA INSURANCE COMPANY | $844 | $8K | $9K | 100.60% |
| MEDLINK INC3 Filed as: MEDLINK INC CENTRAL KY | PO BOX 23570 LOUISVILLE, KY 402230570 | KANAWHA INSURANCE COMPANY | $550 | — | $550 | 6.45% |
| JAMES P BARTA3 | 7980 NEW LAGRANGE RD LOUISVILLE, KY 402224767 | KANAWHA INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| 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 | -$12 | $4K | $4K | — |
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 | 727 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 921 | $3.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,009 | $298K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,009 | $298K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,009 | $249K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,009 | $249K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 932 | $98K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,009 | $548K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,009 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.