| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $38 | $14K | 9.32% |
| DANIEL MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.12% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINGINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.32% |
| UNKNOWN3 | UNKNOWN MASONIC HOME, KY 40041 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $54 | $54 | 0.04% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $36 | $36 | 0.02% |
| JAMIE GRIGSBY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 3.86% |
| ASSUREDPARTNERS3 | 100 EAST RIVERCENTER BOULEVARD SUITE 800 COVINGTON, KY 41011 | ANTHEM HEALTH PLANS OF KY, INC. | $3K | $0 | $3K | 11.51% |
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 | 432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 381 | $89K |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 326 | $27K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 533 | $153K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 533 | $153K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 533 | $153K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 533 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 533 | — |
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.