| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.34% |
| ASSUREDPARTNERS3 | 120 NORTH FULTON AVENUE, SUITE A EVANSVILLE, IN 47710 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $612 | $3K | 3.80% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $378 | $378 | 0.49% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | $0 | $7K | 12.82% |
| DELTA DENTAL OF KENTUCKY, INC.3 | UNKNOWN LOUISVILLE, KY 40202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 8.85% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $881 | $0 | $881 | 5.28% |
| DAVID LUURTSEMA3 | 326 OLD CARDINAL DRIVE ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $566 | $0 | $566 | 3.39% |
| AMY JOHANNEMANN3 | 11708 EAST STATE ROAD 56 FRENCH LICK, IN 47432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $228 | $0 | $228 | 1.37% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $77K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $77K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 128 | $56K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 128 | $56K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 128 | $56K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 128 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.