| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLIN CASSADY3 | 435 NORTH WHITTINGTON PARKWAY SUITE 250 LOUISVILLE, KY 40222 | PRIORITY HEALTH INSURANCE COMPANY | $63K | — | $63K | 0.85% |
| KELLEY ANDERSON3 | 137 BREKENRIDGE LANE LOUISVILLE, KY 40207 | PRIORITY HEALTH INSURANCE COMPANY | $32K | — | $32K | 0.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $30K | $36K | 7.21% |
| ALIUM LLC3 Filed as: ALIUM | 137 BREKENRIDGE LANE LOUISVILLE, KY 40207 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 1.41% |
| COLIN CASSADY3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF MICHIGAN | — | $702 | $702 | 0.20% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $3K | $12K | 27.79% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: THE ULTIMATE SOFTWARE GROUP INC | 1485 NORTH PARK DRIVE WESTON, FL 33326 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.22% |
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 | 1,730 | 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) | 1,730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 1,847 | $7.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,677 | $358K |
| Vision | PRIORITY HEALTH INSURANCE COMPANY | 1,847 | $7.4M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,730 | $505K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,730 | $505K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,730 | $505K |
| Prescription drug | PRIORITY HEALTH INSURANCE COMPANY | 1,847 | $7.4M |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,730 | $549K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,847 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.