| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | HUMANA HEALTH PLAN, INC. | $44K | $982 | $45K | 4.06% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 15.00% |
| MEDLINK INC3 Filed as: MEDLINK INC. - CENTRAL KY | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| MEDLINK INC3 Filed as: MEDLINK INC. | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY | $0 | $2K | $2K | 2.89% |
| 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 | $7K | — | $7K | 19.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62827 VIRGINIA BEACH, VA 23466 | COMPBENEFITS INSURANCE COMPANY | $2K | $113 | $2K | 11.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC | 7777 BONHOMME AVE, STE 2300 ST LOUIS, MO 63105 | COMPBENEFITS INSURANCE COMPANY | $25 | — | $25 | 0.12% |
| WILLIAM PATRICK SHANNON3 | 417 BRISTOL RD LEXINGTON, KY 40502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $905 | — | $905 | 18.81% |
| 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 | 236 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 167 | $1.1M |
| Dental | HUMANA INSURANCE COMPANY | 166 | $82K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 153 | $22K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $35K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $48K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $126K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.