| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 3.20% |
| BENEFIT ADVISORS SERVICES3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 0.96% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $16K | $36K | 7.90% |
| BENEFIT ADVISORS SERVICES3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 1.63% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $550 | $550 | 1.76% |
| DUSTIN STACY3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $186 | — | $186 | 10.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARCORP, LLC/ANTHEM ADMIN/CLAIMS PROCESSING | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing Service code 12 | — | $831K |
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 | 2,694 | 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) | 2,694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 6,466 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,694 | $460K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 3 | $2K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,694 | $780K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,694 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,466 | — |
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."
No prospect flags tripped on this filing.