| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JA BENEFITS LLC3 | 1630 H STREET BEDFORD, IN 47421 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $85K | — | $85K | 3.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $41 | — | $41 | 0.00% |
| JA BENEFITS LLC3 | 1630 H STREET BEDFORD, IN 47421 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $60K | $4K | $64K | 12.04% |
| JA BENEFITS LLC3 | 1630 H STREET BEDFORD, IN 47421 | TRANSAMERICA LIFE INSURANCE COMPANY | $37K | — | $37K | 12.59% |
| SUMMITT ALLIANCE BENEFIT COMP3 | 700 REGENT STREET MADISON, WI 53715 | TRANSAMERICA LIFE INSURANCE COMPANY | $18K | — | $18K | 6.29% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 2.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1185 AVENUE OF AMERICAS SUITE 2010 NEW YORK, NY 10036 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.11% |
| JA BENEFITS LLC3 | 1630 H STREET BEDFORD, IN 47421 | SYMETRA LIFE INSURANCE COMPANY | $13K | $3K | $15K | 13.42% |
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 | 1,875 | 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) | 1,875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 407 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 891 | $534K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 891 | $534K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,986 | $703K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,986 | $114K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,986 | $942K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,986 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.