| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 40220 | HUMANA HEALTH PLAN INC | $23K | — | $23K | 3.94% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 40220 | HUMANA HEALTH PLAN INC | — | $3K | $3K | 0.47% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 40220 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 9.18% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 40220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.36% |
| 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 | — | $711 | $711 | 5.03% |
| WLA INSURANCE LLC3 | 1246 S THIRD ST LOUISVILLE, KY 40203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 17.45% |
| MACDOUGALL BENEFITS LLC3 Filed as: MACDOUGALL BENEFITS | 613 S POKEBERRY PLACE ST JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $224 | — | $224 | 2.11% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 40220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | — | $187 | 1.76% |
| LAURA SUMIE CELIS GAMAS3 Filed as: LAURA SUMIE CALIS GAMAS | 321 E CHARLESTOWN AVE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | — | $145 | 1.37% |
| HAYS COMPANIES, INC.3 Filed as: MICHAEL LEWIS HAYS | 1309 SAINT ANDREWS DRIVE SHELBYVILLE, KY 40065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.28% |
| JEFFERY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TIFFANY DAWN BROWN | 6312 SIX MILE LN LOUISVILLE, KY 40218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 40220 | THE DENTAL CONCERN INC | $827 | — | $827 | 9.84% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, OH 40220 | THE DENTAL CONCERN INC | — | $272 | $272 | 3.24% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN INC | 74 | $593K |
| Dental | DELTA DENTAL OF KENTUCKY | 171 | $39K |
| Vision | THE DENTAL CONCERN INC | 74 | $8K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.