| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4500 TOWN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | COMMUNITY INSURANCE COMPANY | $20K | $969 | $21K | 2.23% |
| SHAWAN MARQUIS AGENCY INC3 Filed as: SHAWAN MARQUIS AGENCY, INC. | 110 EAST WILSON BRIDGE ROAD SUITE 260 COLUMBUS, OH 43085 | COMMUNITY INSURANCE COMPANY | $536 | $0 | $536 | 0.06% |
| AP BENEFIT ADVISORS, LLC3 | 21 EAST 5TH AVENUE CONSHOHOCKEN, PA 19428 | UPMC HEALTH OPTIONS | $3K | $0 | $3K | 2.89% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $4K | $12K | 22.48% |
| ASSUREDPARTNERS3 | 179 FAIRFIELD AVENUE BELLEVUE, KY 41073 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 6.29% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $416 | $2K | 16.11% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $725 | $0 | $725 | 10.00% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $461 | $461 | 6.36% |
| JANET LYNN HORSTMAN3 | 285 GLENWORTH COURT POWELL, OH 43065 | SUN LIFE ASSURANCE COMPANY OF CANADA | $599 | $0 | $599 | 10.54% |
| AP BENEFIT ADVISORS, LLC3 | 21 EAST 5TH AVENUE CONSHOHOCKEN, PA 19428 | UPMC HEALTH BENEFITS | $49 | $0 | $49 | 4.45% |
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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | COMMUNITY INSURANCE COMPANY | 120 | $1.5M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 33 | $22K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 42 | $444K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 159 | $72K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 159 | $52K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 159 | $52K |
| Prescription drug(3 contracts, 3 carriers) | COMMUNITY INSURANCE COMPANY | 120 | $1.5M |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 159 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.