| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EPIC3 Filed as: EPIC INS SOLUTIONS AGENCY, LLC | PO BOX 221649 LOUISVILLE, KY 40252 | HARTFORD LIFE AND ACCIDENT | $52K | $15K | $67K | 18.78% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 2.07% |
| 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 | — | $123K |
| FIFTH THIRD INSURANCE | Insurance brokerage commissions and fees; Other commissions Service code 53 | — | $8K |
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 | 650 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 937 | $173K |
| Vision | CITIZENS SECURITY LIFE INSURANCE COMPANY | 481 | $49K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 650 | $357K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 650 | $357K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 567 | $300K |
| Other | HARTFORD LIFE AND ACCIDENT | 650 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 937 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.