| 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 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $48K | $3K | $51K | 11.70% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 0.03% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $20K | — | $20K | 9.71% |
| STAR ROBBINS3 | P.O. BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | — | $23K | 13.61% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 5.86% |
| ROBERT W. PATTON3 Filed as: ROBERT W PATTON | P.O. BOX 1007 LONDON, KY 40741 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $626 | — | $626 | 0.36% |
| RONNIE PATTON3 Filed as: RONNIE PATTON CO STAR ROBBINS | P.O. BOX 1007 LONDON, KY 407431007 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $166 | — | $166 | 0.10% |
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 | 655 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 900 | $203K |
| Vision | EYEMED | 936 | $43K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 655 | $436K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 655 | $436K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 655 | $436K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 655 | $608K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 936 | — |
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.