| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN-J SMITH-LEXINGTON | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | HUMANA INSURANCE COMPANY | $59K | $3K | $62K | 6.08% |
| 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 | — | $734 | $734 | 0.07% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DR SUITE 105 LOUISVILLE, KY 40223 | STANDARD INSURANCE COMPANY | $53K | — | $53K | 16.93% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DR LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $15K | — | $15K | 5.49% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DR SUITE 105 LOUISVILLE, KY 40223 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 16.93% |
| 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 | $4K | — | $4K | 5.73% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 2030 LEXINGTON, KY 40507 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.14% |
| GREEN & HALLIBURTON INC3 Filed as: GREEN & ASSOCIATES INC | 521 BARRET AVE LOUISVILLE, KY 40204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | THE DENTAL CONCERN, INC. | $6K | $345 | $7K | 10.42% |
| 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 | 3.85% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 2030 LEXINGTON, KY 40507 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $813 | — | $813 | 1.94% |
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 | 617 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 497 | $1.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 848 | $271K |
| Vision | THE DENTAL CONCERN, INC. | 409 | $64K |
| Life insurance | STANDARD INSURANCE COMPANY | 617 | $315K |
| Long-term disability | STANDARD INSURANCE COMPANY | 617 | $126K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 223 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 848 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.