| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 5909 E. GALBRAITH ROAD, SUITE 5000 CINCINNATI, OH 45236 | ANTHEM LIFE INSURANCE COMPANY DBA THE STANDARD | $7K | — | $7K | 5.46% |
| ACCRETIVE WHOLESALE INSURANCE SERVI3 Filed as: ACCRETIVE WHOLESALE INS. SERVICES | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY DBA THE STANDARD | $3K | $1K | $5K | 3.39% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 435 N. WHITTINGTON PKWY LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 4500 TOWN CENTER BLVD, STE 200 JEFFERSONVILLE, IN 47130 | VISION SERVICE PLAN | $1K | — | $1K | 6.06% |
| CYNTHIA PRESTON3 | 443 13TH AVENUE HUNTINGTON, WV 25701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY DBA ALLSTATE | $70 | — | $70 | 4.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TELADOC HEALTH, INC. TELEHEALTH SERVICES | Consulting (general) Service code 16 | 2 MANHATTANVILLE ROAD PURCHASE, NY 10577 | $17K |
| 90 DEGREE BENEFITS CONTRACT ADMINISTRATOR | Recordkeeping fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services Service code 12 | 2145 FORD PKWY, STE 200 ST. PAUL, MN 55116 | $8K |
| LEIF CLARKE WEALTH MANAGMENT INC. | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $4K |
| 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 | $2K |
| PAYER COMPASS COST CONTAINMENT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 5800 GRANITE PKWY, STE 450 PLANO, TX 75024 | $2K |
| SAWGRASS BENEFITS CAPTIVE UNDERWRITER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 2468 FOUNTAINTOWN ROAD CHINQUAPIN, NC 28521 | $1K |
| ALITHIAS INC. HEALTH ADVOCACY PRGM | Contract Administrator Service code 13 | 1001 N. MARKET STREET, STE 2M MILWAUKEE, WI 53202 | $1K |
| LEIF CLARKE WEALTH MANAGEMENT BROKER | Insurance agents and brokers Service code 22 | 2165 CARTER AVE ASHLAND, KY 41101 | $0 |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 295 | $57K |
| Vision | VISION SERVICE PLAN | 220 | $19K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY DBA THE STANDARD | 211 | $134K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY DBA THE STANDARD | 211 | $134K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY DBA THE STANDARD | 211 | $134K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE | 236 | $340K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY DBA ALLSTATE | 8 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.