| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE5 | 345 N RIVERVIEW ST STE 600 WICHITA, KS 67203 | NATIONAL HEALTH INSURANCE COMPANY | — | $50K | $50K | 18.40% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 40220 | NATIONAL HEALTH INSURANCE COMPANY | $31K | — | $31K | 11.40% |
| KENTUCKY CHAMBER3 | 464 CHENAULT RD FRANKFORT, KY 40601 | NATIONAL HEALTH INSURANCE COMPANY | $10K | — | $10K | 3.65% |
| FIRST HEALTH4 Filed as: FIRST HEALTH GROUP | 23291 NETWORK PLACE CHICAGO, IL 606731232 | NATIONAL HEALTH INSURANCE COMPANY | — | $5K | $5K | 1.88% |
| COMPREHENSIVE BENEFITS GROUP ENROLL3 | 331 TOWNPARK CIRCLE STE 200 LOUISVILLE, KY 40243 | NATIONAL HEALTH INSURANCE COMPANY | $5K | — | $5K | 1.82% |
| CARE ADVOCATES4 | 345 N RIVERVIEW STE 600 WICHITA, KS 67203 | NATIONAL HEALTH INSURANCE COMPANY | — | $2K | $2K | 0.66% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 40220 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 10.00% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 40220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $817 | $817 | 3.74% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 40220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $544 | $544 | 3.73% |
| WLA INSURANCE LLC3 | 1246 S THIRD ST LOUISVILLE, KY 40203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 17.40% |
| MACDOUGALL BENEFITS LLC3 Filed as: MACDOUGALL BENEFITS | 613 S POKEBERRY PLACE ST JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $352 | $149 | $501 | 5.38% |
| JEFFERY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $1 | $1 | 0.01% |
| BENEFIT RESOURCES, INC.3 Filed as: BENEFIT RESOURCES | 7438 JAGER CT CINCINNATI, OH 45230 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $921 | — | $921 | 10.00% |
| DENTAL CARE PLUS3 | 100 CROWNE POINT PLACE CINCINNATI, OH 45230 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $463 | — | $463 | 5.03% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 175 | $38K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 149 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $15K |
| Stop-loss / reinsurancereinsurance | NATIONAL HEALTH INSURANCE COMPANY | 76 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.