| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EPIC3 Filed as: EPIC INS SOLUTIONS AGENCY, LLC | PO BOX 221649 LOUISVILLE, KY 40252 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $2K | $25K | 16.23% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 2.55% |
| EPIC3 Filed as: EPIC INS SOLUTIONS AGENCY, LLC | PO BOX 221649 LOUISVILLE, KY 40252 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $1K | $16K | 16.25% |
| EPIC3 Filed as: EPIC INS SOLUTIONS AGENCY, LLC | PO BOX 221649 LOUISVILLE, KY 40252 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $937 | $12K | 16.25% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | CITIZENS SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARCORP, LLC EIN 61-0592989 CLAIMS/ADMIN | Claims processing; Contract Administrator Service code 12 | — | $124K |
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 | 657 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 962 | $135K |
| Vision | CITIZENS SECURITY LIFE INSURANCE COMPANY | 463 | $47K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 657 | $101K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 560 | $75K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 561 | $280K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 657 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 962 | — |
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.