| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAN ZANDT EMRICH & CARY, INC.3 Filed as: VAN ZANDT EMRICH & CARY INC. | P.O. BOX 99565 LOUISVILLE, KY 402690565 | HUMANA HEALTH PLAN, INC. | $16K | — | $16K | 2.53% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 405042649 | HUMANA HEALTH PLAN, INC. | $8K | — | $8K | 1.21% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF KENTUCKY LLC | 12401 PLANTSIDE DRIVE LOUISVILLE, KY 40299 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 8.72% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $924 | — | $924 | 1.27% |
| VAN ZANDT EMRICH & CARY, INC.3 Filed as: VAN ZANDT EMRICH AND CARY INC. | P.O. BOX 99565 LOUISVILLE, KY 40269 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.70% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 405042645 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.30% |
| VAN ZANDT EMRICH & CARY, INC.3 Filed as: VAN ZANDT EMRICH & CARY INC. | P.O. BOX 99565 LOUISVILLE, KY 402690565 | KANAWHA INSURANCE COMPANY | $2K | $795 | $3K | 18.19% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 98 | $631K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $73K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $73K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $53K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $53K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $53K |
| Other | KANAWHA INSURANCE COMPANY | 28 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.