| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 435 N WHITTINGTON PKWY LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $76K | — | $76K | 4.60% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | SYMETRA LIFE INSURANCE COMPANY | $260K | $43K | $304K | 18.72% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | SYMETRA LIFE INSURANCE COMPANY | $77K | — | $77K | 19.49% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 435 N WHITTINGTON PKWY #300 LOUISVILLE, KY 40222 | SYMETRA LIFE INSURANCE COMPANY | — | $11K | $11K | 2.77% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 100 E RIVERCENTER BLVD SUITE 800 COVINGTON, KY 41011 | ANTHEM HEALTH PLANS OF KY, INC. | $30K | $3K | $33K | 10.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIBEN / IEC GROUP EIN 82-0497661 TPA | Claims processing Service code 12 | — | $446K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $227K |
| CURALINC, LLC EIN 33-1206383 EAP ADMIN | Contract Administrator; Claims processing Service code 12 | — | $71K |
| MCGRIFF INSURANCE SERVICES EIN 56-1623293 FSA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $63K |
| MARQUEE HEALTH EIN 46-5472798 WELLNESS PROGRAM | Claims processing; Contract Administrator Service code 12 | — | $32K |
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 | 4,450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 128 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 192 | $1.2M |
| Dental | DELTA DENTAL OF KENTUCKY | 3,122 | $1.6M |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 2,554 | $304K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 4,450 | $1.6M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 4,450 | $1.6M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 4,450 | $1.6M |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 4,450 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,450 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.