| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 13.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.23% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS | 9700 OMSBY STATION ROAD, SUITE 200 LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 9.95% |
| DAVID HUGHES3 Filed as: DAVID BRENT HUGHES | 226 DECKARD SCHOOL ROAD RINEYVILLE, KY 40162 | AFLAC | $3K | $299 | $4K | 9.08% |
| SETH O AKERS3 Filed as: SETH O. AKERS | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | AFLAC | $1K | $60 | $1K | 3.03% |
| CLAIRE LUURTSEMA3 | 308 ROSEDALE DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $1K | — | $1K | 2.88% |
| MARK GALVIN LLC3 Filed as: MARK GALVIN, LLC | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $965 | $60 | $1K | 2.66% |
| MJ INSURANCE3 Filed as: STEPHEN W. REED AND VARIOUS AGENTS | 107 DELETE STREET HARVEST, AL 35749 | AFLAC | $406 | — | $406 | 1.05% |
| R AARON WRIGHT3 Filed as: R. AARON WRIGHT | 9200 SHELBYVILLE ROAD, SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $156 | — | $156 | 0.40% |
| DAVID LUURTSEMA3 | 308 ROSEDALE DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $91 | — | $91 | 0.24% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS | 9700 ORMSBY STATION ROAD, SUITE 200 LOUISVILLE, KY 40223 | CITIZENS SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.73% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 210 | $48K |
| Vision | CITIZENS SECURITY LIFE INSURANCE COMPANY | 108 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 228 | $88K |
| Long-term disability | STANDARD INSURANCE COMPANY | 228 | $88K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 228 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.