| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | ANTHEM LIFE INSURANCE COMPANY | $25K | $649 | $26K | 15.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE ST STE 200 LEXINGTON, KY 40507 | AMERITAS LIFE INSURANCE CORP. | $8K | — | $8K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG I DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORP. | — | $3K | $3K | 4.31% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AMERITAS LIFE INSURANCE CORP. | — | -$179 | -$179 | -0.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 EAST VINE STREET SUITE 200 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 14.11% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE T FUGATE | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $356 | — | $356 | 2.17% |
| ANDREW W LAMAR3 | 1006 APPLE BLOSSOM DR. FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $347 | — | $347 | 2.12% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA R LARSON | 801 LAUDERDALE DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $304 | — | $304 | 1.85% |
| JOHN EDWARD SHAFF3 | 1566 STONINGTON RD MITCHELL, IN 47446 | CONTINENTAL AMERICAN INSURANCE COMPANY | $288 | — | $288 | 1.76% |
| KYLE K CLAXTON3 | 2995 SUGAR CAMP RD COVINGTON, KY 41017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $200 | — | $200 | 1.22% |
| KARI MULLINS3 | 1003 CLAIBORNE WAY LEXINGTON, KY 40517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.79% |
| JUSTIN M GUIDI3 | 1039 44TH AVE NORTH SUITE 101 MYRTLE BEACH, SC 29577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.61% |
| DALE I DAVIS3 | 333 E SHORT ST SUITE 130 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.46% |
| WILLIAM W ELLIOTT, II3 | 7463 SALEM NOBLE ROAD CHARLESTOWN, IN 47111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.41% |
| MARK C LAMAR3 | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.31% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 5511 MOSER KNOB ROAD FLOYDS KNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.29% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.25% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DR NEWBURGH, IN 47630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.09% |
| SHAWN M COLIN3 | 2005 FLORA DRIVE FLOYDS KNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.09% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 15173 KAMPEN CIRCLE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DRIVE JASPER, IN 47546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| MATTHEW A COOK3 | 10069 BENT TREE LANE FISHERS, IN 46037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 EAST VINE STREET SUITE 200 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $373 | — | $373 | 4.52% |
| JOHN EDWARD SHAFF3 | 1566 STONINGTON RD MITCHELL, IN 47446 | CONTINENTAL AMERICAN INSURANCE COMPANY | $170 | — | $170 | 2.06% |
| JUSTIN M GUIDI3 | 1039 44TH AVE NORTH SUITE 101 MYRTLE BEACH, SC 29577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.67% |
| WILLIAM W ELLIOTT, II3 | 7463 SALEM NOBLE ROAD CHARLESTOWN, IN 47111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.53% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE T FUGATE | 2433 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.52% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA R LARSON | 801 LAUDERDALE DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.42% |
| ANDREW W LAMAR3 | 1006 APPLE BLOSSOM DR. FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.35% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 5511 MOSER KNOB ROAD FLOYDS KNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.31% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IA 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.28% |
| KARI MULLINS3 | 1003 CLAIBORNE WAY LEXINGTON, KY 40517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.27% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DR NEWBURGH, IN 47630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.25% |
| DALE I DAVIS3 | 333 E SHORT ST SUITE 130 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.11% |
| SHAWN M COLIN3 | 2005 FLORA DRIVE FLOYD KNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.11% |
| MARK C LAMAR3 | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.08% |
| KYLE K CLAXTON3 | 2995 SUGAR CAMP RD COVINGTON, KY 41017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.06% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 15173 KAMPEN CIRCLE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| MATTHEW A COOK3 | 10069 BENT TREE LANE FISHERS, IN 46037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DRIVE JASPER, IA 47546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 5511 MOSER KNOB ROAD FLOYDS KNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 121 | $76K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 121 | $76K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 225 | $169K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 225 | $169K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 225 | $169K |
| Stop-loss / reinsurancereinsurance | HIIG | 185 | $267K |
| Other(5 contracts, 4 carriers) | ANTHEM LIFE INSURANCE COMPANY | 255 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.