| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF KY INC-LOUISVILLE | 13101 MAGESTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN INC | $19K | $634 | $20K | 2.33% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF KY INC-COLUMBIA | PO BOX 9 COLUMBIA, KY 42728 | HUMANA HEALTH PLAN INC | $10K | — | $10K | 1.16% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF KENTUCKY | 13101 MAGESTERIAL DR STE 200 LOUISVILLE, KY 40223 | LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF KENTUCKY | 13101 MAGESTERIAL DR. SUITE 200 LOUISVILLE, KY 40243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.00% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH CO | 419 PLUM ST. CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $159 | — | $159 | 0.38% |
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 | 295 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN INC | 186 | $848K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $42K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $42K |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 295 | $60K |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 295 | $60K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 295 | $60K |
| Prescription drug | HUMANA HEALTH PLAN INC | 186 | $848K |
| Other | LIFE INSURANCE COMPANY OF AMERICA | 295 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.