| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 40220 | HUMANA HEALTH PLAN | $45K | — | $45K | 5.92% |
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 40220 | THE DENTAL CONCERN | $6K | — | $6K | 8.83% |
| INSURAMAX INC3 | PO BOX 20829 LOUISVILLE, KY 40250 | THE COMPANIES OF ONEAMERICA | $8K | $2K | $9K | 19.06% |
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 40220 | DEARBORN NATIONAL LIFE COMPANY | $5K | — | $5K | 17.00% |
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 40220 | HUMANA INSURANCE OF KENTUCKY | $3K | — | $3K | 13.49% |
| INSURAMAX INC3 | 2200 GREEN WAY LOUISVILLE, KY 40220 | HUMANA INSURANCE OF KENTUCKY | $7K | — | $7K | 103.06% |
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 40220 | KANAWHA INSURANCE COMPANY | $418 | — | $418 | 7.37% |
| THE ABACUS GROUP LLC3 Filed as: ABACUS GROUP INC | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 31707 | DEARBORN NATIONAL LIFE INSURANCE OF NY | — | $4K | $4K | 130.00% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN | 105 | $765K |
| Dental | THE DENTAL CONCERN | 106 | $67K |
| Vision | THE DENTAL CONCERN | 106 | $67K |
| Life insurance(2 contracts) | HUMANA INSURANCE OF KENTUCKY | 114 | $29K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE COMPANY | 63 | $32K |
| Long-term disability | THE COMPANIES OF ONEAMERICA | 49 | $49K |
| Other | KANAWHA INSURANCE COMPANY | 27 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.