| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.86% |
| BENETEK CORPORATION3 | UNKNOWN EVANSVILLE, IN 47719 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.90% |
| ASSUREDPARTNERS3 | 200 COLONIAL CENTER PARKWAY SUITE 140 LAKE MARY, FL 32746 | PARAMOUNT DENTAL | $5K | — | $5K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $4K | — | $4K | 21.36% |
| ASSUREDPARTNERS3 | 435 WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | ANTHEM INSURANCE COMPANIES, INC. | $546 | $0 | $546 | 7.73% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 204 | $51K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 208 | $7K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $105K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $105K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $105K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 136 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.