| 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 | $18K | $742 | $19K | 9.34% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DRIVE SUITE 105 LOUISVILLE, KY 40223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: C JOHN REISERT | — | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 9.96% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DRIVE SUITE 105 LOUISVILLE, KY 40223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.06% |
| GREEN & HALLIBURTON INC3 Filed as: GREEN & ASSOCIATES INC | 521 BARRET AVENUE LOUISVILLE, KY 40204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 17.45% |
| DRURY GROUP, INC3 Filed as: DRURY & COMPANY INC | PO BOX 869 FRANKLIN, TN 37065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.36% |
| MEDLINK INC3 Filed as: MEDLINK INC-CENTRAL KY | PO BOX 23570 LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | $1K | — | $1K | 9.92% |
| MEDLINK INC3 | PO BOX 23570 LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | — | $1K | $1K | 9.87% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DRIVE SUITE 105 LOUISVILLE, KY 40223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $420 | — | $420 | 15.01% |
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 | 439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 751 | $56K |
| Vision | THE DENTAL CONCERN, INC. | 325 | $12K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 544 | $80K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 544 | $40K |
| Stop-loss / reinsurancereinsurance | HUMANA INSURANCE COMPANY | 419 | $199K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 544 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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.