| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 2.72% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURA | 2101 FLORENCE AVE CINCINNATI, OH 45206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $808 | — | $808 | 1.81% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $430 | — | $430 | 0.96% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURA | 2101 FLORENCE AVE CINCINNATI, OH 45206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 5.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $672 | — | $672 | 2.08% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $407 | $0 | $407 | 1.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.57% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC | STE 102 4990 EAST GALBRAITH RD CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $122 | $1K | 5.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $235 | $42 | $277 | 1.33% |
| USI INSURANCE SERVICES LLC3 | STE 200 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $235 | $0 | $235 | 1.13% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $85 | $85 | 0.41% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE LUKENS INC | DBA NEACE LUKENS 2305 RIVER RD LOUISVILLE, KY 40206 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.40% |
| EPIC3 Filed as: EPIC INS SOLUTIONS AGENCY LLC | STE 200 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $327 | $3K | 15.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $854 | $3K | 20.33% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC | STE 102 4990 EAST GALBRAITH RD CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $202 | $21 | $223 | 4.45% |
| USI INSURANCE SERVICES LLC3 | STE 200 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $116 | — | $116 | 2.32% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $85 | $85 | 1.70% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE LUKENS INC | DBA NEACE LUKENS 2305 RIVER RD LOUISVILLE, KY 40206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62 | $0 | $62 | 1.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52 | $8 | $60 | 1.20% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURA | 2101 FLORENCE AVE CINCINNATI, OH 45206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $245 | — | $245 | 6.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $162 | — | $162 | 4.35% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $81 | — | $81 | 2.17% |
| HORAN ASSOCIATES INC.4 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD CINCINNATI, OH 45236 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $163 | — | $163 | 12.27% |
| CORNERSTONE INS & FIN SERVICE4 | STE 17B 9200 MONTGOMERY RD CINCINNATI, OH 45242 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | — | $29 | 2.18% |
| DENNIS R. SHIELS & ASSOCIATES INC.3 Filed as: DENNIS R SHIELS & ASSOCIATES, INC | 9200 MONTGOMERY ROAD CINCINNATI, OH 45242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 2.81% |
| DONNA L BEYLAND3 | 519 WINDSOR PARK DR DAYTON, OH 45459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 2.64% |
| BEYLAND CONSULTANTS INC3 | 519 WINDSOR PARK DRIVE CENTERVILLE, OH 45459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.79% |
| PATRICIA G SPIES3 | 600 SOUTH MARSHALL ROAD MIDDLETOWN, OH 45044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.70% |
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 | 431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 488 | $141K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 444 | $29K |
| Life insurance(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 431 | $67K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 62 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 373 | $45K |
| Other(5 contracts, 4 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 431 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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.