| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY BENEFIT STRATEGIES | 301 INTERNATIONAL CIRCLE COCKEYSVILLE, MD 21030 | HUMANA | $3K | — | $3K | 3.83% |
| TRUSS, LLC3 | 4551 W. 107TH ST., SUITE 100 OVERLAND PARK, KS 66207 | HUMANA | $3 | — | $3 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA DENTAL INSURANCE COMPANY EIN 39-0714280 NONE | Contract Administrator Service code 13 | 500 WEST MAIN STREET LOUISVILLE, KY 40202 | $35K |
| KELLY BENEFIT STRATEGIES NONE | Insurance agents and brokers Service code 22 | 301 INTERNATIONAL CIRCLE COCKEYSVILLE, MD 21030 | $8K |
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 | 568 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA | 568 | $85K |
| Vision | HUMANA | 568 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.