| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 405042649 | HUMANA HEALTH PLAN, INC. | $23K | — | $23K | 3.72% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.62% |
| LIFETIME FINANCIAL GROWTH CO OF OHI3 Filed as: LIFETIME FINANCE GROWTH CO OF OHIO | 120 EAST 4TH STREET SUITE 1500 CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $94 | — | $94 | 0.11% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 405042645 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $184 | $8K | 14.11% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS DBA VAN ZANDT | P.O. BOX 99565 LOUISVILLE, KY 402690565 | KANAWHA INSURANCE COMPANY | $2K | $568 | $3K | 18.17% |
| ASSUREDPARTNERS3 Filed as: BENFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 405042649 | KANAWHA INSURANCE COMPANY | $90 | — | $90 | 0.62% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 84 | $607K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $84K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $84K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 149 | $58K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 149 | $58K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 149 | $58K |
| Other | KANAWHA INSURANCE COMPANY | 21 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.