| 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 | $91K | $5K | $96K | 8.50% |
| JACK WILKINSON3 | 500 LAKETOWER DR UNIT 100 LEXINGTON, KY 40502 | HUMANA INSURANCE COMPANY | — | $84 | $84 | 0.01% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DR SUITE 105 LOUISVILLE, KY 40223 | HARTFORD LIFE AND ACCIDENT | $113K | $67K | $181K | 23.95% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DR LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $24K | — | $24K | 5.91% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 2030 LEXINGTON, KY 40507 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | — | $20K | 18.56% |
| GREEN & HALLIBURTON INC3 Filed as: GREEN & ASSOCIATES INC | 521 BARRET AVE LOUISVILLE, KY 40204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.23% |
| 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 | 2.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | THE DENTAL CONCERN, INC. | $9K | — | $9K | 9.75% |
| JACK WILKINSON3 | 500 LAKETOWER DR UNIT 100 LEXINGTON, KY 40502 | THE DENTAL CONCERN, INC. | — | $70 | $70 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 2030 LEXINGTON, KY 40507 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 7.12% |
| 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 | $1K | — | $1K | 1.86% |
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 | 1,000 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 763 | $1.1M |
| Dental | DELTA DENTAL OF KENTUCKY | 1,307 | $403K |
| Vision | THE DENTAL CONCERN, INC. | 653 | $96K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,478 | $754K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,478 | $754K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,478 | $917K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,478 | — |
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.