| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | HEALTH RESOURCES, INC. | $23K | $0 | $23K | 8.49% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | PO BOX 3430 CARMEL, IN 46082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | $2K | $37K | 15.31% |
| TYLER M TRAVIS3 Filed as: TYLER M. TRAVIS | 707 LESLIE AVENUE GLASGOW, KY 42141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.16% |
| HEATHER TRAVIS3 | 53 RED BARN WAY CAVE CITY, KY 42127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS, INC. | 540 WEST MADISON STREET, SUITE 1200 CHICAGO, IL 60661 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.15% |
| WILLIAM JONES3 Filed as: WILLIAM D. JONES | 2317 RUSSELLVILLE ROAD, SUITE 1 BOWLING GREEN, KY 42101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.96% |
| WANDA JEAN ANDERSON3 Filed as: WANDA J. ANDERSON AND OTHER AGENTS | 1751 WHITE OAK RIDGE ROAD FOUNTAIN RUN, KY 42133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.84% |
| PHILLIP D BLAKEMAN3 Filed as: PHILLIP D. BLAKEMAN | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $694 | $0 | $694 | 0.44% |
| STEVEN D HILL3 Filed as: STEVEN D. HILL | 389 CLAYPOOL BOYCE ROAD ALVATON, KY 42122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $245 | $0 | $245 | 0.15% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES, INC. | 981 | $270K |
| Vision | HEALTH RESOURCES, INC. | 981 | $270K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 431 | $243K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 431 | $243K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 467 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 981 | — |
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.