| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAVERICK INSURANCE3 | 4965 US HWY 42 LOUISVILLE, KY 40222 | HUMANA | $16K | — | $16K | 1.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 NONE | Contract Administrator; Claims processing Service code 12 | 333 WEST VINE STREET LEXINGTON, KY 40507 | $221K |
| SEGAL BRYANT & HAMILL EIN 41-4788385 NONE | Investment management Service code 28 | 10 S WACKER DR. STE 3500 CHICAGO, IL 60606 | $32K |
| MORGAN STANLEY SMITH BARNEY EIN 26-4310632 NONE | Investment advisory (plan) Service code 27 | 500 LEE STREET, STE 300 CHARLESTON, WV 25323 | $22K |
| MANLEY BURKE EIN 31-4578691 NONE | Legal Service code 29 | 222 WEST COURT STREET CINCINNATI, OH 45202 | $14K |
| FRANK N HESTAND CPA PSC EIN 61-1336870 NONE | Accounting (including auditing) Service code 10 | 261 REGENCY CIRCLE LEXINGTON, KY 40503 | $10K |
| GROUP BENEFIT SERVICES INC. EIN 61-1392645 NONE | Consulting (general) Service code 16 | 574 BUCKINGHAM LANE LEXINGTON, KY 40503 | $6K |
| OSBORN CARREIRO & ASSOCIATES EIN 71-0631123 NONE | Actuarial Service code 11 | 124 WEST CAPITOL AVENUE LITTLE ROCK, AR 72201 | $4K |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 141 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION LABOR LIFE | 569 | $75K |
| Short-term disability | UNION LABOR LIFE | 569 | $75K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 330 | $399K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.