| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED NL INS AGENCY INC | 120 NORTH FULTON AVENUE SUITE A EVANSVILLE, IN 47710 | HUMANA HEALTH PLAN, INC | $86K | — | $86K | 5.48% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NLIS INS AGENCY INC-LOUISVI | 2305 RIVER ROAD LOUISVIILE, KY 40206 | HUMANA HEALTH PLAN, INC | — | $11K | $11K | 0.70% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL INC | 200 COLONIAL CENTER PARKWAY SUITE 140 LAKE MARY, FL 32746 | HEALTH RESOURCES, INC. | $10K | — | $10K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $11K | 19.11% |
| ASSURED NL INS AGENCY INC-EVANSVILL3 | 120 N FULTON AVE SUITE A EVANSVILLE, IN 47710 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 9.20% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HUMANA INSURANCE COMPANY | — | $836 | $836 | 3.55% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 212 | $1.6M |
| Dental | HEALTH RESOURCES, INC. | 193 | $98K |
| Vision | HUMANA INSURANCE COMPANY | 140 | $24K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $56K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.