| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDLINK INC3 Filed as: MEDLINK INC. | P.O. BOX 23570 LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY | $8K | $3K | $11K | 10.90% |
| AP WHOLESALE INSURANCE SERVICES LLC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY | $7K | $3K | $9K | 9.28% |
| BENEFACTOR INS GROUP INC3 Filed as: BENEFACTOR INSURANCE GROUP INC. | 2165 CARTER AVE ASHLAND, KY 41101 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 9.22% |
| BENEFACTOR INS GROUP INC3 Filed as: BENEFACTOR INSURANCE GROUP INC. | 2165 CARTER AVENUE ASHLAND, KY 41101 | VISION SERVICE PLAN | $988 | — | $988 | 5.92% |
| CYNTHIA PRESTON3 | P.O. BOX 1239 BARBOURSVILLE, WV 25504 | AMERICAN HERITAGE LIFE IINSURANCE COMPANY DBA ALLSTATE | $110 | — | $110 | 6.21% |
| DAVID WILSON3 | 2241 WATERVIEW DRIVE, UNIT 336 N. MYRTLE BEACH, SC 29582 | AMERICAN HERITAGE LIFE IINSURANCE COMPANY DBA ALLSTATE | $13 | — | $13 | 0.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 90 DEGREE BENEFITS CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 2145 FORD PKWY, STE 200 ST. PAUL, MN 55116 | $70K |
| LEIF CLARKE WEALTH MANAGEMENT BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2165 CARTER AVE ASHLAND, KY 41101 | $40K |
| STOP LOSS BROKERAGE INC. BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 12700 TOWNEPARK WAY, STE 105 LOUISVILLE, KY 40243 | $24K |
| PAYER COMPASS COST CONTAINMENT | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 5800 GRANITE PKWY, STE 450 PLANO, TX 75024 | $18K |
| SAWGRASS BENEFITS CAPTIVE UNDERWRITER | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 2468 FOUNTAINTOWN ROAD CHINQUAPIN, NC 28521 | $12K |
| ALITHIAS INC. HEALTH ADVOCACY PRGM | Direct payment from the plan; Participant communication Service code 38 | 1001 N. MARKET STREET, STE 2M MILWAUKEE, WI 53202 | $11K |
| 6 DEGREE BENEFITS RBP ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 5800 N.E. PINEFARM CT, STE 200 HILLSBORO, OR 97124 | $3K |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 239 | $46K |
| Vision | VISION SERVICE PLAN | 188 | $17K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 180 | $100K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 180 | $100K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 180 | $100K |
| Other | AMERICAN HERITAGE LIFE IINSURANCE COMPANY DBA ALLSTATE | 9 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.