| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM HEALTH PLANS OF KENTUCKY INC | $21K | $3K | $24K | 4.55% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM HEALTH PLANS OF KENTUCKY INC | — | — | $0 | 0.00% |
| INSURAMAX INC3 Filed as: INSURAMAX | 805 N WHITTINGTON PKWY SUITE 150 LOUISVILLE, KY 40222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.08% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| INSURAMAX INC3 Filed as: INSURAMAX | 805 N WHITTINGTON PKWY SUITE 150 LOUISVILLE, KY 40222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $983 | — | $983 | 7.50% |
| INSURAMAX INC3 Filed as: INSURAMAX | 805 N WHITTINGTON PKWY SUITE 150 LOUISVILLE, KY 40222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 55.20% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE & BENEFUTS GROUP | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM HEALTH PLANS OF KENTUCKY INC | — | — | $0 | 0.00% |
| INSURAMAX INC3 Filed as: INSURAMAX | 805 N WHITTINGTON PKWY SUITE 150 LOUISVILLE, KY 40222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| WLA INSURANCE LLC3 | 1246 S THIRD ST LOUISVILLE, KY 40203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| HAYS COMPANIES, INC.4 Filed as: MICHAEL LEWIS HAYS | 317 CRANBURY WAY LOUISVILLE, KY 40245 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MACDOUGALL BENEFITS LLC4 | 1794 ARBOR DR FERNANDINA BEACH, FL 32034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| LAURA SUMIE CELIS GAMAS4 | 321 E CHARLESTOWN AVE JEFFERSONVILLE, IN 47130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | — | $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) | ANTHEM HEALTH PLANS OF KENTUCKY INC | 111 | $517K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY INC | 153 | $36K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY INC | 129 | $8K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $22K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $13K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 33 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.