| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NANCY DUNCAN3 | 10070 SQUIRE DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.42% |
| DALE IRA DAVIS3 Filed as: DALE I. DAVIS AND OTHER AGENTS | 333 EAST SHORT STREET, SUITE 130 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 14TH FLOOR CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.33% |
| MARK C LAMAR3 Filed as: MARK C. LAMAR | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.23% |
| PAMELA ROWSEY LARSON3 | 801 LAUDERDALE DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $646 | $0 | $646 | 0.15% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES AGENCY LLC | 655 FOX RUN ROAD, SUITE A FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $575 | $0 | $575 | 0.13% |
| HUNTINGTON INSURANCE INC3 | 121 NORTH MARKET STREET, SUITE 6 WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $516 | $0 | $516 | 0.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX FUN ROAD, SUITE A FINDLAY, OH 45840 | GUARDIAN | $5K | $3K | $8K | 7.21% |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 192 | $114K |
| Vision | GUARDIAN | 192 | $114K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 160 | $444K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.