| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 4.86% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 14.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 220 WEST MAIN STREET, SUITE 1800 LOUISVILLE, KY 402021395 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KY INC. EIN 61-1237516 CONTRACT ADMINISTRATOR | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Contract Administrator; Claims processing Service code 12 | — | $128K |
| AON RISK SERVICES CENTRAL INC. EIN 36-4279204 BROKER | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | — | $57K |
| EXPRESS SCRIPTS INC. EIN 31-1714795 PHARMACY | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $48K |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 293 | $87K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 245 | $21K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 181 | $79K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 181 | $79K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 181 | $79K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 181 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.