| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | PO BOX 436869 LOUISVILLE, KY 40253 | UNITEDHEALTHCARE INSURANCE COMPANY | $129K | — | $129K | 4.64% |
| BB&T3 Filed as: BB&T SERVICES INC | 414 GALLIMORE DAIRY RD GREENSBORO, NE 27409 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $28K | — | $28K | 4.10% |
| GLACIER GROUP LLC3 | 54 W SEEGERS RD ARLINGTON, IL 60005 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $9K | $9K | 1.32% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD STE F MAIL CODE 534-01-01-15 GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $3K | $23K | 8.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 5555GLENRIDGE CONNECTOR NE STE 600 ATLANTA, GA 30342 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $44 | $2K | 0.65% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE, FL 2 RALEIGH, NC 27612 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | — | $24K | 10.34% |
| BB&T BARGER INSURANCE NETWORK3 Filed as: BB*T BARGER INSURANCE NETWORK | 414 GALLIMORE DAIRY RD SUITE F GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $10K | $10K | 4.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 5555 GLENRIDGE CONNECTOR NE STE 600 ATLANTA, GA 30342 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.02% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVE FL 2 RALEIGH, NC 27612 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 12.79% |
| BB&T BARGER INSURANCE NETWORK3 | 414 GALLIMORE DAIRY RD SUITE F GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.21% |
| BB&T INS SER INC-LOUISVILLE3 Filed as: BB&T INS SER INC - LOUISVILLE | 2600 EASTPOINT PKWY LOUISVILLE, KY 40223 | KANAWHA INSURANCE COMPANY | $234 | $172 | $406 | 5.53% |
| MEDLINK INC3 Filed as: MEDLINK INC - ENROLLMENT SERVICES | 2001 LAKE POINT WAY LOUSISVILLE, KY 40223 | KANAWHA INSURANCE COMPANY | $310 | — | $310 | 4.22% |
| MEDLINK INC Filed as: MEDLINK INC -CENTRAL KY | PO BOX 23570 LOUISVILLE, KY 40223 | KANAWHA INSURANCE COMPANY | $14 | — | $14 | 0.19% |
| BARTA, JAMES P3 Filed as: BARTA, JAMES | STE 3 7980 NEW LAGRANGE RD LOUISVILLE, KY 40222 | KANAWHA INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 567 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 384 | $3.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 792 | $266K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 792 | $266K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 567 | $232K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 567 | $232K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 721 | $94K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 384 | $3.5M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 567 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 792 | — |
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."
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.