| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8112 MARYLAND AVENUE, SUITE 400 SAINT LOUIS, MO 63105 | DELTA DENTAL OF KENTUCKY | $38K | $0 | $38K | 6.97% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KENTUCKY | $9K | $0 | $9K | 1.71% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF KENTUCKY | $2K | $0 | $2K | 0.43% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8112 MARYLAND AVENUE, SUITE 400 SAINT LOUIS, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | $0 | $53K | 10.58% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 4.42% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $20K | $20K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 3201 BEECHLEAF COURT, SUITE 200 RALEIGH, NC 27604 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 8.20% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.42% |
| JOAN DUNBAR3 Filed as: JOAN E. DUNBAR | PO BOX 50703 COLUMBIA, SC 29250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $809 | $0 | $809 | 0.68% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29229 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVENUE, SUITE 400 CLAYTON, MO 63105 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $9K | $0 | $9K | 7.84% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION STREET, SUITE 700 DENVER, CO 80237 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | $0 | $2K | 1.76% |
| BENEFIT COM. INC. OF SOUTH CAROLINA3 | PO BOX 211486 COLUMBIA, SC 29221 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $913 | $0 | $913 | 0.79% |
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 | 1,692 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 2,353 | $546K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,902 | $116K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,752 | $503K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,752 | $503K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,752 | $503K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,752 | $622K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,353 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.