| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REISERT & ASSOCIATES INC3 | 1700 UPS DR. STE 105 LOUISVILLE, KY 40223 | HARTFORD LIFE AND ACCIDENT | $94K | — | $94K | 8.85% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | HARTFORD LIFE AND ACCIDENT | $55K | — | $55K | 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 | 3.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.31% |
| HENRY B CANTRELL & COMPANY3 Filed as: HENRY B CANTRELL & CO | 1501 E 7TH ST CHARLOTTE, NC 28204 | HARTFORD LIFE AND ACCIDENT | — | $633 | $633 | 0.06% |
| REISERT & ASSOCIATES INC3 Filed as: REISERT ASSOC INC | 1700 UPS DR. STE 105 LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | $21K | — | $21K | 4.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN - WOODSTOCK | PO BOX 70 WEST POINT, GA 31833 | THE DENTAL CONCERN, INC. | $9K | — | $9K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | THE DENTAL CONCERN, INC. | — | $1K | $1K | 0.28% |
| JANET BLAIR3 | 1700 UPS DR STE 105 LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | — | $113 | $113 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | THE DENTAL CONCERN, INC. | -$13 | — | -$13 | -0.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $11K | — | $11K | 13.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $10K | — | $10K | 11.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN - WOODSTOCK | PO BOX 70 WEST POINT, GA 31833 | HUMANA INSURANCE COMPANY | -$4K | $1K | -$3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY, IN EIN 61-1237516 ADMIN SERVICES | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $282K |
| MARSH & MCLENNAN AGENCY LLC | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | $126K |
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 | 1,055 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,055 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL CONCERN, INC. | 768 | $426K |
| Vision | THE DENTAL CONCERN, INC. | 768 | $426K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,570 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,570 | $1.1M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,302 | $879K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,570 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,570 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.