| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH MARSH & MCLENNAN AGENCY LLC | PO BOX 744831 ATLANTA, GA 30374 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $57K | $67K | 3.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH MARSH & MCLENNAN AGENCY LLC | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVE SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 17.49% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA R LARSON | 844 SANDSTONE RDG COLD SPRING, KY 41076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 15.25% |
| BRENT D HUTCHINSON3 | 1450 N BROADWAY LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.84% |
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 | 328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 370 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 370 | $2.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 370 | $2.0M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 359 | $137K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 359 | $137K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 359 | $137K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 359 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.