| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICE | 2101 FLORENCE AVE CINCINNATI, OH 452062426 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $8K | $23K | 11.00% |
| ARC BENEFITS SOLUTIONS, INC.3 Filed as: ARC BENEFIT SOLUTIONS INC | 2101 FLORENCE AVE CINCINNATI, OH 452062426 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX RUN ROAD, SUITE A FINDLAY, OH 45840 | GUARDIAN | $5K | $6K | $11K | 9.23% |
| WATCHTOWER BENEFITS, LLC3 | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN | $2K | — | $2K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX RUN ROAD STE A FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.14% |
| NANCY DUNCAN3 | 10070 SQUIRE DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.25% |
| PAMELA ROWSEY LARSON3 | 801 LAUDERDALE DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.08% |
| LAURA BETH KELLER3 Filed as: LAURA B KELLER | 2220 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $888 | — | $888 | 1.09% |
| MARK C LAMAR3 Filed as: MARK C. LAMAR | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $846 | — | $846 | 1.04% |
| HUNTINGTON INSURANCE INC3 | 121 NORTH MARKET STREET STE 600 WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $423 | — | $423 | 0.52% |
| DALE I DAVIS3 Filed as: DALE I. DAVIS | 333 EAST SHORT STREET, SUITE 130 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $377 | — | $377 | 0.46% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE T FUGATE | ASSUREDPARTNERS NL, LLC 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $293 | — | $293 | 0.36% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4805 LAKEBROOK DR STE 220 GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | — | $153 | 0.19% |
| DAVID P BERRY3 | 701 CENTER ST BELLEVUE, KY 41073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.09% |
| NATALIE D MARSHALL3 Filed as: NATALIE MARSHALL GOLFMAN | 305 BROAD STREET FALMOUTH, KY 41040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.06% |
| CHERYL C NELSON3 | 5224 S. EASTERN SCHOOL ROAD PEKIN, IN 47165 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.06% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD FRANK BROOKS | 9200 SHELBYVILLE RD SUITE 605 LOUISVILLE, KY 40222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.04% |
| BRADLEY L ELLIS3 Filed as: BRADLEY L. ELLIS | 1500 BEVILLE RD STE 606 #327 DAYTONA BEACH, FL 32114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| HUNTINGTON INSURANCE INC3 | 121 NORTH MARKET STREET, SUITE 6 WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| R AARON WRIGHT3 | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| THE DIAMOND AGENCY LLC3 Filed as: THE DIAMOND AGENCY | 1017 ASHES DRIVE 106 WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| RUEANN M EMERSON3 | 225 SOMERSLY PLACE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| DAVID A EMERSON3 | 225 SOMERSLY PLACE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| RUEANN EMERSON3 Filed as: RUEANN MARIE EMERSON | 142 NE 1ST ST OAK ISLAND, NC 284656835 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| REGINA G CALDWELL3 | 2046 SINKING CREEK RD LONDON, KY 40741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
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 | 347 | 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) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 221 | $120K |
| Vision | GUARDIAN | 221 | $120K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 364 | $205K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 364 | $205K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 364 | $205K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 364 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.