| 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 | $38K | — | $38K | 5.03% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1800 RT 34 BUILDING 4 SUITE 404 A WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $14K | $14K | 1.84% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $43K | — | $43K | 9.89% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 1800 RT 34 BUILDING 4 SUITE 404 A WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $22K | $22K | 5.05% |
| DUSTIN STACY3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $138 | — | $138 | 9.58% |
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 | 2,841 | 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) | 2,841 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 6,340 | $1.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,841 | $438K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 2 | $1K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,841 | $746K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,841 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,340 | — |
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.