| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS, LLC | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $38K | $0 | $38K | 7.79% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS, LLC. | 200 INTERNATIONAL CIRCLE SUITE 4500 COCKEYSVILLE, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $22K | $0 | $22K | 4.45% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | RELIASTAR LIFE INSURANCE COMPANY | $16K | $0 | $16K | 3.22% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS, LLC | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | RELIASTAR LIFE INSURANCE COMPANY | $12K | $0 | $12K | 2.47% |
| T2B SOLUTIONS INC.3 Filed as: T2B SOLUTIONS, INC. | PO BOX 43 INDIANOLA, IA 50125 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $663 | $663 | 0.13% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS, LLC | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $17K | $0 | $17K | 7.57% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $5K | $0 | $5K | 2.43% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS, LLC | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $6K | $403 | $6K | 10.46% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $496 | $0 | $496 | 0.85% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS, LLC | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | MASA EMERGENCY TRANSPORTATION | $7K | $0 | $7K | 20.00% |
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 | 387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MASA EMERGENCY TRANSPORTATION | 281 | $35K |
| Dental | DELTA DENTAL OF KENTUCKY | 765 | $224K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 787 | $58K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,112 | $494K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,112 | $494K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,112 | $494K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,112 | $494K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,112 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.