| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON RD MISHAWAKA, IN 465449195 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $94K | $94K | 2.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN TENNESSEE | 6 CADILLAC DR STE 200 BRENTWOOD, TN 370275080 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $71K | $71K | 1.61% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 13800 JACKSON RD MISHAWAKA, IN 465449195 | PRINCIPAL LIFE INSURANCE COMPANY | $37K | $13K | $49K | 7.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 6 CADILLAC DR STE 200 BRENTWOOD, TN 370275080 | PRINCIPAL LIFE INSURANCE COMPANY | $40K | — | $40K | 6.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 11220 ASSETT LOOP STE 304 MANASSAS, VA 201097912 | PRINCIPAL LIFE INSURANCE COMPANY | — | $17K | $17K | 2.65% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON RD MISHAWAKA, IN 465449195 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | — | $25K | 12.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILAC DR. SUITE 200 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 8.82% |
| MARY CARMELA BERARDI3 | 3344 SWEET CLOVER LN LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 8.74% |
| JAMIE M HUTTON3 | 1893 HIGHWAY 25 GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 3.01% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.56% |
| BRENT HUTCHINSON3 Filed as: BRENT D HUTCHINSON | 1450 N BROADWAY LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $715 | — | $715 | 0.36% |
| HEATHER L MAMMEN3 Filed as: HEATHER LYNN MAMMEN | 251 BIG EDDY RD FRANKFORT, KY 40601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $363 | — | $363 | 0.19% |
| LAURA BETH KELLER3 | 445 MADISON POINT DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $342 | — | $342 | 0.17% |
| CAREN OSTROWSKI3 Filed as: CAREN JO OSTROWSKI | 854 KINGSWAY DR VERSAILLES, KY 40383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $270 | — | $270 | 0.14% |
| ALAN W FOSTER3 Filed as: ALAN WAYNE FOSTER | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 0.06% |
| LINDSEY HOSKINS3 | 2055 KY 1547 LIBERTY, KY 42539 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.05% |
| AMY JOHANNEMANN3 | 11708 E STATE ROAD 56 FRENCH LICK, IN 47432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.03% |
| THOMAS M WILLIAMSON3 | 129 WATERS HILL CIRCLE LEBANON, TN 370879638 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.01% |
| JESSICA SWICK3 | 444 JIM FORSYTHE LANE HARRODSBURG, KY 40330 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| TYLER DECKER3 | 4325 COBBLESTONE KNOLL DR LEXINGTON, KY 40581 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SUSAN M. HINKLE3 Filed as: SUSAN MARIE HINKLE | 283 HYDE PARK LANE CORBIN, KY 40701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| DAVID M WATSON3 Filed as: DAVID MICHAEL WATSON | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| RONNIE LEE LANES JR3 | 5006 MIDDLESEX DR LOUISVILLE, KY 40245 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| SARAH BARDELL3 Filed as: SARAH K BARDELL | 424 CUNNINGHAM LANE LEXINGTON, KY 40508 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2 | — | -$2 | -0.00% |
| JULIE ANN WITT3 | 826 OVERHILLS DR OLD HICKORY, TN 37138 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$41 | — | -$41 | -0.02% |
| CHRISTOPHER L MILLER3 Filed as: CHRISTOPHER LINN MILLER | 1408 GREENLAND AVE NASHVILLE, TN 37216 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$54 | — | -$54 | -0.03% |
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 | 945 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 961 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 885 | $4.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,276 | $637K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,276 | $637K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,276 | $637K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,276 | $637K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,276 | $637K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 291 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,276 | — |
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.