| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUMBERLAND VALLEY INSURANCE3 Filed as: CUMBERLAND VALLEY INS. MGMT. INC. | 412 NORTH BROAD STREET LONDON, KY 40741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | — | $33K | 27.21% |
| PAMELA ROWSLEY LARSON3 | 801 LAUDERDALE DR. LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | — | $28K | 23.33% |
| CHRISTINA A WEYLS3 Filed as: CHRISTINA AGNES WEYLS | 422 JACK TURNER WAY LANCASTER, KY 40444 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 11.95% |
| LAURA BETH KELLER3 | 445 MADISON POINT DR. LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.76% |
| MITCHELL D ELLIOTT3 Filed as: MITCHELL DANE ELLIOTT | 353 W. 4TH STREET, UNIT 304 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.16% |
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 | 332 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 349 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.