| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 402204026 | HUMANA HEALTH PLAN INC | $21K | $2K | $22K | 4.59% |
| INSURAMAX INC3 Filed as: INSURAMAX | PO BOX 20829 LOUISVILLE, KY 40250 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 11.00% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 40220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $552 | $4K | 17.43% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 402204026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $316 | $2K | 17.43% |
| WLA INSURANCE LLC3 | 1246 S THIRD ST LOUISVILLE, KY 40203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 13.88% |
| LAURA SUMIE CELIS GAMAS4 | 321 E CHARLESTOWN AVE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $320 | — | $320 | 3.23% |
| MACDOUGALL BENEFITS LLC4 | 1794 ARBOR DR FERNANDINA BEACH, FL 32034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.91% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 402204026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.35% |
| HAYS COMPANIES, INC.4 Filed as: MICHAEL LEWIS HAYS | 317 CRANBURY WAY LOUISVILLE, KY 40245 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.28% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 402204026 | THE DENTAL CONCERN INC | $787 | $28 | $815 | 11.17% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, OH 40220 | THE DENTAL CONCERN INC | — | — | $0 | 0.00% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN INC | 70 | $488K |
| Dental | DELTA DENTAL OF KENTUCKY | 0 | $31K |
| Vision | THE DENTAL CONCERN INC | 74 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.