| 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 | $70K | $3K | $73K | 8.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN-J SMITH-LEXINGTON | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | HUMANA INSURANCE COMPANY | $18K | — | $18K | 2.08% |
| ANGELA S WEILAGE3 | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY | — | $36 | $36 | 0.00% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DR SUITE 105 LOUISVILLE, KY 40223 | STANDARD INSURANCE COMPANY | $46K | — | $46K | 15.00% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DR LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $16K | — | $16K | 5.97% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DR SUITE 105 LOUISVILLE, KY 40223 | THE STANDARD | $18K | — | $18K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 12.87% |
| GREEN & HALLIBURTON INC3 Filed as: GREEN & ASSOCIATES INC | 521 BARRET AVE LOUISVILLE, KY 40204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | THE DENTAL CONCERN, INC. | $2K | $59 | $3K | 4.26% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | PO BOX 23570 LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | $2K | — | $2K | 4.11% |
| MEDLINK INC3 Filed as: MEDLINK INC - CENTRAL KY | PO BOX 23570 LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | $982 | — | $982 | 1.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | — | $127 | $127 | 0.21% |
| ANGELA S WEILAGE3 | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | — | $29 | $29 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.23% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 2030 LEXINGTON, KY 40507 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.02% |
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 | 598 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 489 | $869K |
| Dental | DELTA DENTAL OF KENTUCKY | 868 | $268K |
| Vision | THE DENTAL CONCERN, INC. | 393 | $60K |
| Life insurance | STANDARD INSURANCE COMPANY | 598 | $303K |
| Long-term disability | THE STANDARD | 601 | $121K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 227 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 868 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.