| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 9.50% |
| STAR ROBBINS3 | P.O. BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $663 | — | $663 | 5.28% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $297 | — | $297 | 2.36% |
| RONNIE PATTON3 | P.O. BOX 1010 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.10% |
| ROBERT W. PATTON3 Filed as: ROBERT PATTON | P.O. BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.10% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.80% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 198 | $45K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 82 | $11K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 24 | $13K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 24 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.