| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC-LOUISVILLE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY | $50K | — | $50K | 9.93% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DRIVE LOUISVILLE, KS 40223 | DELTA DENTAL OF KENTUCKY | $21K | — | $21K | 9.96% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DRIVE SUITE 105 LOUISVILLE, KY 40223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | $2K | $31K | 16.03% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DRIVE SUITE 105 LOUISVILLE, KY 40223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $1K | $17K | 16.05% |
| GREEN & HALLIBURTON INC3 Filed as: GREEN & ASSOCIATES INC | 521 BARRET AVENUE LOUISVILLE, KY 40204 | ALLSTATE BENEFITS | $9K | — | $9K | 16.79% |
| DRURY GROUP, INC3 Filed as: DRURY & COMPANY INC | PO BOX 869 FRANKLIN, TN 37065 | ALLSTATE BENEFITS | $204 | — | $204 | 0.39% |
| MEDLINK INC3 Filed as: MEDLINK INC - CENTRAL KY | PO BOX 23570 LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | $5K | — | $5K | 9.92% |
| MEDLINK INC3 | PO BOX 23570 LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | — | $2K | $2K | 5.11% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DRIVE SUITE 105 LOUISVILLE, KY 40223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $76 | $1K | 16.05% |
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 | 427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 752 | $214K |
| Vision | THE DENTAL CONCERN, INC. | 322 | $46K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 491 | $195K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 491 | $104K |
| Stop-loss / reinsurancereinsurance | HUMANA INSURANCE COMPANY | 418 | $507K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 513 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 752 | — |
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.