| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 3.05% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $212 | $5K | 9.60% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN AND ASSOCIATES, INC | 4990 E. GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $81 | $81 | 0.17% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $153 | $3K | 8.28% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $58 | $58 | 0.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - KANSAS CITY, MO | PO BOX 843844 KANSAS CITY, MO 641843844 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.98% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $599 | $106 | $705 | 3.30% |
| USI INSURANCE SERVICES LLC3 | STE 200 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $210 | — | $210 | 0.98% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC | STE 102 4990 EAST GALBRAITH RD CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.36% |
| 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 | $68 | — | $68 | 0.32% |
| EPIC3 Filed as: EPIC INS SOLUTIONS AGENCY LLC | STE 200 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $357 | $3K | 17.14% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $721 | $3K | 20.46% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $179 | $27 | $206 | 4.05% |
| USI INSURANCE SERVICES LLC3 | STE 200 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $104 | — | $104 | 2.05% |
| 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 | $47 | — | $47 | 0.92% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOC INC | STE 102 4990 EAST GALBRAITH RD CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28 | — | $28 | 0.55% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $488 | $18 | $506 | 12.45% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC | 4990 E. GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7 | $7 | 0.17% |
| HORAN ASSOCIATES INC.4 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD CINCINNATI, OH 45236 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $88 | — | $88 | 7.15% |
| CORNERSTONE INS & FIN SERVICE4 | STE 17B 9200 MONTGOMERY RD CINCINNATI, OH 45242 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | — | $29 | 2.36% |
| DENNIS R. SHIELS & ASSOCIATES INC.3 Filed as: DENNIS R SHIELS & ASSOCIATES, INC | 9200 MONTGOMERY ROAD CINCINNATI, OH 45242 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | — |
| DONNA L BEYLAND3 | 519 WINDSOR PARK DR DAYTON, OH 45459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | — |
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 | 421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 493 | $153K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 465 | $28K |
| Life insurance(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 421 | $66K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 65 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 356 | $48K |
| Other(5 contracts, 4 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 421 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.