| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 | 30 BRAOD ST 35TH FL NEW YORK, NY 10004 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 10.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY LLC | PO BOX 744831 ATLANTA, GA 303744831 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $3K | $5K | 3.52% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $4K | — | $4K | 3.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | $847 | $3K | 2.73% |
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 | 681 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 15 | $97K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 15 | $97K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 15 | $97K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 681 | $134K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 681 | $134K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 681 | $134K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 15 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.