| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 4500 TOWN CENTER BLVD SUITE 200 JEFFERSONVILLE, IN 47130 | COMMUNITY INSURANCE COMPANY | $28K | $14K | $42K | 3.23% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 2305 RIVER RD LOUISVILLE, KY 40206 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $4K | $19K | 12.23% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $557 | $557 | 0.36% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 114 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $154K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $154K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $154K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $154K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 114 | $1.3M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.