| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH AMERICA ADMINISTRATORS, LP5 | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | AMERICAN NATIONAL INSURANCE COMPANY | $51K | — | $51K | 15.00% |
| E M FORD & CO LLC3 | 2100 FREDERICA ST OWENSBORO, KY 42301 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 12.01% |
| E M FORD & CO LLC3 Filed as: E M FORD AND COMPANY LLC | 2100 FREDERICA STREET OWENSBORO, KY 423021677 | HEALTH RESOURCES, INC. | $2K | — | $2K | 9.92% |
| E M FORD & CO LLC3 Filed as: E M FORD & COMPANY | 2100 FREDERICA ST OWENSBORO, KY 42301 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.64% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATIONAL INSURANCE COMPANY | 152 | $343K |
| Dental | HEALTH RESOURCES, INC. | 108 | $24K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 228 | $14K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 245 | $33K |
| Prescription drug | AMERICAN NATIONAL INSURANCE COMPANY | 152 | $343K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE COMPANY | 152 | $343K |
| Other | UNION SECURITY INSURANCE COMPANY | 245 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.