| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON BOULEVARD CARMEL, IN 46032 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 19.95% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 400 GALLERIA PARKWAY ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 5.22% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $59 | $59 | 0.04% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $11 | $11 | 0.01% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | PO BOX 50435 INDIANAPOLIS, IN 46250 | DELTA DENTAL OF KENTUCKY | $4K | $0 | $4K | 4.68% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | PO BOX 3430 CARMEL, IN 46082 | ANTHEM HEALTH PLAN OF KENTUCKY, INC. | $2K | $217 | $2K | 11.16% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 400 GALLERIA PARKWAY ATLANTA, GA 30339 | ANTHEM HEALTH PLAN OF KENTUCKY, INC. | $1 | $0 | $1 | 0.00% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 286 | $82K |
| Vision | ANTHEM HEALTH PLAN OF KENTUCKY, INC. | 255 | $20K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 319 | $140K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 319 | $140K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 319 | $140K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 319 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.