| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | BAPTIST HEALTH PLAN, INC. | $4K | — | $4K | 2.93% |
| BENEFIT INSURANCE MAKETING INC.3 Filed as: BENEFIT INSURANCE MAKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $777 | — | $777 | 5.22% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE AGY | 4000 SMITH ROAD SUITE 400 LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $453 | — | $453 | 3.04% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE AGY | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $453 | — | $453 | 3.04% |
| JAMES P BARTA3 | 7980 NEW LA GRANGE ROAD SUITE 3 LOUISVILLE, KY 40222 | TRUSTMARK INSURANCE COMPANY | $869 | — | $869 | 22.54% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE LUKENS INC. | 2305 RIVER ROAD LOUISVILLE, KY 40206 | TRUSTMARK INSURANCE COMPANY | $372 | — | $372 | 9.65% |
| JAMES P BARTA3 | 7980 NEW LA GRANGE ROAD SUITE 3 LOUISVILLE, KY 40222 | TRUSTMARK INSURANCE COMPANY | $764 | — | $764 | 23.10% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE LUKENS INC. | 2305 RIVER ROAD LOUISVILLE, KY 40206 | TRUSTMARK INSURANCE COMPANY | $327 | — | $327 | 9.89% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | — |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSUREND NEACE LUKENS INSURANCE AGY | 4000 SMITH ROAD SUITE 400 CINCINNATI, OH 45209 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | — |
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 | 296 | 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) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BAPTIST HEALTH PLAN, INC. | 357 | $138K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $15K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $15K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 296 | $0 |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 296 | $0 |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 296 | $0 |
| Other(3 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 296 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.