| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | AMERICAN UNITED LIFE INSURANCE COMPANY | $35K | $0 | $35K | 15.00% |
| ASSUREDPARTNERS3 | 10 NORTH PARK DRIVE, SUITE 4500 HUNT VALLEY, MD 21031 | AMERICAN UNITED LIFE INSURANCE COMPANY | $12K | $8K | $20K | 8.39% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $14K | $0 | $14K | 9.01% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | RELIASTAR LIFE INSURANCE COMPANY | $16K | $0 | $16K | 21.01% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 COCKEYSVILLE, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.00% |
| T2B SOLUTIONS INC.3 Filed as: T2B SOLUTIONS, INC. | PO BOX 43 INDIANOLA, IA 50125 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $36 | $36 | 0.05% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 542 | $150K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 352 | $235K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 352 | $235K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 352 | $235K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 352 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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.