| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED PRIMARY CARE4 | 1243 WILKERSON STREET FLATWOODS, KY 41139 | GERBER LIFE INSURANCE COMPANY | $0 | $66K | $66K | 33.57% |
| NIPC3 | 8670 W. CHEYENNE AVE #120 LA VEGAS, NV 89129 | GERBER LIFE INSURANCE COMPANY | $63K | — | $63K | 31.84% |
| MEDOVA HEALTHCARE5 | 345 N. RIVERVIEW, STE 600 WICHITA, KS 67203 | GERBER LIFE INSURANCE COMPANY | $0 | $58K | $58K | 29.64% |
| COMPREHENSIVE BENEFITS GROUP ENROLL3 Filed as: COMPREHENSIVE BNFTS GRP ENROLLMENT | 331 TOWNEPARK CIRCLE, STE 200 LOUISVILLE, KY 40243 | GERBER LIFE INSURANCE COMPANY | $36K | — | $36K | 18.37% |
| FIRST HEALTH GROUP CORPORATION4 | 23291 NETWORK PLACE CHICAGO, IL 60673 | GERBER LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.15% |
| CHILDRENS ALLIANCE OF KENTUCKY3 | 420 CAPITAL AVE FRANKFORT, KY 40601 | GERBER LIFE INSURANCE COMPANY | $6K | — | $6K | 3.06% |
| KENTUCKY CHAMBER3 | 464 CHENAULT ROAD FRANKFORT, KY 40601 | GERBER LIFE INSURANCE COMPANY | $3K | — | $3K | 1.53% |
| CYNTHIA PRESTON3 | P.O. BOX 1239 BARBOURSVILLE, WV 25504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY DBA ALLSTATE | $193 | — | $193 | 8.83% |
| DAVID WILSON3 | 2241 WATERVIEW DRIVE, UNIT 336 N. MYRTLE BEACH, SC 29582 | AMERICAN HERITAGE LIFE INSURANCE COMPANY DBA ALLSTATE | $31 | — | $31 | 1.42% |
| MEDOVA HEALTHCARE5 | 345 N.RIVERVIEW, STE 600 WICHITA, KS 67203 | VISION SERVICE PLAN | $0 | $2K | $2K | 91.33% |
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 | 79 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 81 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 157 | $2K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY DBA ALLSTATE | 6 | $2K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 157 | $197K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY DBA ALLSTATE | 6 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.