| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 402234207 | HUMANA INSURANCE COMPANY | $65K | — | $65K | 20.93% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 402234207 | THE GUARDIAN LIFE INSURANCE COMPANY | $15K | $2K | $18K | 21.20% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 402234207 | THE DENTAL CONCERN, INC. | $11K | — | $11K | 15.30% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 206 | $313K |
| Dental | THE DENTAL CONCERN, INC. | 178 | $73K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 181 | $84K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 181 | $84K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 181 | $84K |
| Stop-loss / reinsurancereinsurance | HUMANA INSURANCE COMPANY | 206 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.