| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDLINK INC3 | PO BOX 23570 LOUISVILLE, KY 40223 | COMMUNITY INSURANCE COMPANY | $54K | — | $54K | 25.09% |
| ROBERT A LEVY3 Filed as: ROBERT LEVY | 1600 DIVISION STREET NASHVILLE, TN 37203 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 4.96% |
| ROBERT A LEVY3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 19.00% |
| ROBERT A LEVY3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 24.00% |
| ROBERT A LEVY3 | 1600 DIVISION ST SUITE 220 NASHVILLE, TN 37203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.00% |
| ROBERT A LEVY3 | 1600 DAVISION STREET SUITE 220 NASHVILLE, TN 37203 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.48% |
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 | 379 | 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) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 361 | $97K |
| Vision | COMMUNITY INSURANCE COMPANY | 216 | $216K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 404 | $64K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $57K |
| Other(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 216 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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."
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.