| 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 | $93K | $3K | $96K | 8.12% |
| JACK WILKINSON3 | 500 LAKETOWER DR UNIT 100 LEXINGTON, KY 40502 | HUMANA INSURANCE COMPANY | — | $124 | $124 | 0.01% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | HARTFORD LIFE AND ACCIDENT | $54K | — | $54K | 5.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, GA 30097 | HARTFORD LIFE AND ACCIDENT | $39K | — | $39K | 3.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.29% |
| REISERT & ASSOCIATES INC3 | 1700 UPS DR LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $25K | — | $25K | 5.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | THE DENTAL CONCERN, INC. | $10K | — | $10K | 9.67% |
| JACK WILKINSON3 | 500 LAKETOWER DR UNIT 100 LEXINGTON, KY 40502 | THE DENTAL CONCERN, INC. | — | $105 | $105 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $40K | — | $40K | 48.41% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $38K | — | $38K | 45.22% |
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 | 785 | $1.2M |
| Dental | DELTA DENTAL OF KENTUCKY | 1,331 | $412K |
| Vision | THE DENTAL CONCERN, INC. | 655 | $100K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,771 | $1.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,771 | $1.0M |
| Stop-loss / reinsurancereinsurance | HUMANA INSURANCE COMPANY | 785 | $1.2M |
| Other(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 1,771 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,771 | — |
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.