| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.5 Filed as: UNITED HEALTHCARE SERVICES, INC. | — | UNITED HEALTHCARE SERVICES, INC. | — | $18K | $18K | 19.23% |
| ROBIN A. GALL3 | 444 E MAIN ST #204 LEXINGTON, KY 40507 | UNITED HEALTHCARE SERVICES, INC. | $5K | — | $5K | 5.79% |
| PIKE & PRESTON LLC3 | 444 E MAIN ST #204 LEXINGTON, KY 40507 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 19.91% |
| PIKE & PRESTON LLC3 | 444 E MAIN ST #204 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| PIKE & PRESTON LLC3 | 444 E MAIN ST #204 LEXINGTON, KY 40507 | DELTA DENTAL OF KENTUCKY | $781 | — | $781 | 10.16% |
| PIKE & PRESTON LLC3 | 444 E MAIN ST #204 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $395 | — | $395 | 10.00% |
| PIKE & PRESTON LLC3 | 444 E MAIN ST #204 LEXINGTON, KY 40507 | THE DENTAL CONCERN | $231 | — | $231 | 6.96% |
| PIKE & PRESTON LLC3 | 444 E MAIN ST #204 LEXINGTON, KY 40507 | THE DENTAL CONCERN | $170 | — | $170 | 5.13% |
| PIKE & PRESTON LLC3 | 444 E MAIN ST #204 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $299 | — | $299 | 14.99% |
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 | 20 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 20 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE DENTAL CONCERN | 10 | $3K |
| Dental | DELTA DENTAL OF KENTUCKY | 27 | $8K |
| Vision | THE DENTAL CONCERN | 10 | $3K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 31 | $2K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 31 | $6K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 31 | $8K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNITED HEALTHCARE SERVICES, INC. | 20 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31 | — |
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.