| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURAMAX INC3 | 805 N WHITTINGTON PKWY STE 150 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC | $52K | — | $52K | 4.87% |
| INSURAMAX INC3 | 805 N WHITTINGTON PKWY STE 150 LOUISVILLE, KY 40222 | DENTAL CONCERN | $4K | $301 | $5K | 8.50% |
| INSURAMAX INC3 | 805 N WHITTINGTON PKWY STE 150 LOUISVILLE, KY 40222 | ONE AMERICA | $9K | — | $9K | 15.87% |
| INSURAMAX INC3 | 805 N WHITTINGTON PKWY STE 150 LOUISVILLE, KY 40222 | HUMANA INSURANCE COMPANY OF KY | $6K | $37 | $6K | 22.91% |
| INSURAMAX INC3 | 805 N WHITTINGTON PKWY STE 150 LOUISVILLE, KY 40222 | HUMANA INSURANCE COMPANY OF KY | $3K | $43 | $3K | 13.45% |
| INSURAMAX INC3 | 805 N WHITTINGTON PKWY STE 150 LOUISVILLE, KY 40222 | DEARBORN LIFE INSURANCE COMPANY | $32K | — | $32K | 166.42% |
| THE ABACUS GROUP LLC3 Filed as: ABACUS GROUP INC | 252 HARRY LANE BLVD STE 100 KNOXVILLE, TN 37923 | DEARBORN LIFE INSURANCE COMPANY | — | $3K | $3K | 13.00% |
| INSURAMAX INC3 | 805 N WHITTINGTON PKWY STE 150 LOUISVILLE, KY 40222 | MANHATTAN LIFE | $762 | — | $762 | 7.25% |
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 | 83 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 83 | $1.1M |
| Dental | DENTAL CONCERN | 83 | $55K |
| Vision | DENTAL CONCERN | 83 | $55K |
| Life insurance(2 contracts) | HUMANA INSURANCE COMPANY OF KY | 53 | $50K |
| Short-term disability(2 contracts, 2 carriers) | ONE AMERICA | 42 | $74K |
| Long-term disability | ONE AMERICA | 42 | $55K |
| Other | MANHATTAN LIFE | 28 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 83 | — |
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.