| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | HEALTH RESOURCES, INC. | $20K | $0 | $20K | 8.62% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | $3K | $31K | 15.20% |
| TYLER M TRAVIS3 Filed as: TYLER M. TRAVIS | 707 LESLIE AVENUE GLASGOW, KY 42141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $440 | $0 | $440 | 1.04% |
| HEATHER TRAVIS3 | 53 RED BARN WAY CAVE CITY, KY 42127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $303 | $0 | $303 | 0.71% |
| WILLIAM JONES3 Filed as: WILLIAM D. JONES | 2317 RUSSELLVILLE ROAD, SUITE 1 BOWLING GREEN, KY 42101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $207 | $0 | $207 | 0.49% |
| MJ INSURANCE3 Filed as: NICOLE L. JONES AND VARIOUS AGENTS | 2362 RUSSELVILLE ROAD BOWLING GREEN, KY 42101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | $0 | $104 | 0.25% |
| PHILLIP D BLAKEMAN3 Filed as: PHILLIP D. BLAKEMAN | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | $0 | $98 | 0.23% |
| STEVEN D HILL3 Filed as: STEVEN D. HILL | 389 CLAYPOOL BOYCE ROAD ALVATON, KY 42122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.07% |
| BETTY JEAN GENTRY3 Filed as: BETTY J. GENTRY | 725 GENTRY CIRCLE MOUNT HERMON, KY 42157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 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 | 357 | 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) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES, INC. | 792 | $226K |
| Vision | HEALTH RESOURCES, INC. | 792 | $226K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 357 | $207K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 357 | $207K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 467 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 792 | — |
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.