| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN-J SMITH-LEXINGTON | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | HUMANA HEALTH PLAN, INC. | $22K | — | $22K | 3.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN-J SMITH-LEXINGTON | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | THE DENTAL CONCERN, INC. | $3K | — | $3K | 7.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, KY 30097 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 13.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 4.62% |
| ROBBINS STAR3 | PO BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 14.41% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 2030 LEXINGTON, KY 40507 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $646 | — | $646 | 3.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, MARSH & MCLENNAN | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $71 | $71 | 0.34% |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 105 | $566K |
| Dental | THE DENTAL CONCERN, INC. | 111 | $40K |
| Vision | THE DENTAL CONCERN, INC. | 111 | $40K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 219 | $36K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 219 | $36K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 219 | $36K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 219 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.