| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | ANTHEM INSURANCE COMPANIES, INC | $36K | — | $36K | 3.64% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 15.00% |
| JARBOE SHANNON GROUP, LLC3 | 1405 LOOKOUT CIRCLE LEXINGTON, KY 40502 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 15.00% |
| JARBOE SHANNON GROUP, LLC3 | 1405 LOOKOUT CIRCLE LEXINGTON, KY 40502 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 20.00% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 18.93% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 20.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC | 7777 BONHOMME AVE, STE 2300 ST LOUIS, MO 63105 | COMPBENEFITS INSURANCE COMPANY | $2K | $3K | $4K | 23.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62827 VIRGINIA BEACH, VA 23466 | COMPBENEFITS INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 19.15% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $968 | — | $968 | 18.63% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $523 | — | $523 | 18.82% |
| LISA GRAVES3 | 1400 GLENNS CREEK RD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 1.53% |
| DEE ANN SLADE3 Filed as: DEE SLADE | 104 POTOMAC CT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 1.23% |
| MARY DUFF3 | 176 PASADENA DRIVE LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.92% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC | 238 | $988K |
| Dental(2 contracts) | UNION SECURITY INSURANCE COMPANY | 142 | $163K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 122 | $18K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $52K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $78K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $206K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.