| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $61K | $2K | $63K | 21.87% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY | STE 200 LOUISVILLE, KY 40223 | ONE AMERICA | $26K | — | $26K | 15.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY | $2K | $649 | $2K | 13.94% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | MANHATTANLIFE | $812 | — | $812 | 5.71% |
| BARTA, JAMES P3 | 1412 EILLOW AVE APT 56 LOUISVILLE, KY 40204 | MANHATTANLIFE | $649 | — | $649 | 4.56% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | HUMANADENTAL INSURANCE COMPANY | $8K | $4K | $12K | 142.84% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | KANAWHA INSURANCE COMPANY | $851 | — | $851 | 11.50% |
| BARTA, JAMES P3 Filed as: BARTA JAMES P | 7502 MARIA AVE LOUISVILLE, KY 40222 | KANAWHA INSURANCE COMPANY | $363 | — | $363 | 4.90% |
| BARTA, JAMES P3 | 7502 MARIA AVE LOUISVILLE, KY 40222 | KANAWHA INSURANCE | $519 | — | $519 | 7.98% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 159 | $286K |
| Dental | HUMANADENTAL INSURANCE COMPANY | 176 | $9K |
| Vision | HUMANA INSURANCE COMPANY | 173 | $17K |
| Life insurance(2 contracts, 2 carriers) | ONE AMERICA | 320 | $184K |
| Short-term disability(3 contracts, 3 carriers) | ONE AMERICA | 320 | $197K |
| Long-term disability | ONE AMERICA | 320 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.