| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION ROAD, SUITE 200 LOUISVILLE, KY 40223 | ANTHEM INSURANCE COMPANIES, INC | $0 | $534 | $534 | 0.13% |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INS AGENCY | 9700 ORMSBY STATION ROAD, SUITE 200 CINCINNATI, OH 45227 | AMERICAN UNITED LIFE INSURANCE COMPANY | $40K | $7K | $47K | 16.26% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION RDZA LOUISVILLE, KY 402234038 | HUMANADENTAL INSURANCE COMPANY | $13K | $5K | $18K | 14.33% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION RDZA LOUISVILLE, KY 402234038 | HUMANA INSURANCE COMPANY | $3K | $931 | $4K | 14.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EPIC INS SOLUTIONS AGENCY LLC AGENT | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | PO BOX 221649 LOUISVILLE, KY 40252 | $0 |
| FIFTH THIRD INSURANCE AGENCY INC AGENT | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | MAIL DROP 1 MOBBC CINCINNATI, OH 45227 | $0 |
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 | 461 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANADENTAL INSURANCE COMPANY | 157 | $125K |
| Vision | HUMANA INSURANCE COMPANY | 254 | $25K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 461 | $287K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 461 | $287K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 461 | $287K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC | 375 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.