| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE5 Filed as: MEDOVA HEATHCARE | 345 N RIVERVIEW ST STE 600 WICHITA, KS 67203 | NATIONAL HEAITH INSURANCE COMPANY | — | $52K | $52K | 10.32% |
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 40250 | NATIONAL HEAITH INSURANCE COMPANY | $31K | — | $31K | 6.10% |
| KENTUCKY CHAMBER3 | 464 CHENAULT RD FRNKFORT, KY 40601 | NATIONAL HEAITH INSURANCE COMPANY | $10K | — | $10K | 2.03% |
| COMPREHENSIVE BENEFITS SOLUTIONS3 Filed as: COMPREHENSIVE BENEFITS GROUP | 331 TOWNEPARK CIRCLE STE 200 LOUISVILLE, KY 40243 | NATIONAL HEAITH INSURANCE COMPANY | $5K | — | $5K | 1.02% |
| FIRST HEALTH4 Filed as: FIRST HEALTH GROUP CORP | 23291 NETWORK PLACE CHICAGO, IL 606731232 | NATIONAL HEAITH INSURANCE COMPANY | — | $5K | $5K | 1.02% |
| CARE ADVOCATES4 | 345 N RIVERVIEW SUUITE 600 WICHITA, KS 67203 | NATIONAL HEAITH INSURANCE COMPANY | — | $1K | $1K | 0.24% |
| MEDCOM UTILIZATION MANAGEMENT4 | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | NATIONAL HEAITH INSURANCE COMPANY | — | $612 | $612 | 0.12% |
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 402204026 | DENTAL CARE PLUS INC | $3K | — | $3K | 8.09% |
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 402204026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| KEYSTONE INS & BNFTS GRP LLC3 Filed as: KEYSTONE INS & BNFTS GRP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $956 | $956 | 4.37% |
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 402204026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| KEYSTONE INS & BNFTS GRP LLC3 Filed as: KEYSTONE INS & BNFTS GRP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $636 | $636 | 4.37% |
| BENEFIT RESOURCES, INC.3 Filed as: BENEFIT RESOURCES | 7438 JAGER CT CINCINNATI, OH 45230 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | — | $0 | — |
| DENTAL CARE PLUS | 100 CROWNE POINT PLACE CINCINNATI, OH 45241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | — | $0 | — |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL HEAITH INSURANCE COMPANY | 90 | $502K |
| Dental | DENTAL CARE PLUS INC | 96 | $35K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 0 | $0 |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.