| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HUMANA HEALTH PLAN, INC. | $51K | $10K | $61K | 3.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | JAIME GRIGSBY, ACCOUNTING MANAGER LOUISVILLE, KY 40208 | DENTAL DENTAL OF KENTUCKY | $3K | — | $3K | 3.42% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.23% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | KANAWHA INSURANCE COMPANY | $4K | $1K | $5K | 13.02% |
| J R YOUNG COMPANY INC3 | 2201 REGENCY ROAD SUITE 304 LEXINGTON, KY 40503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 20.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDNL INSURANCE AGENCY INC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE DENTAL CONCERN, INC | $2K | $683 | $3K | 13.08% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 229 | $2.0M |
| Dental | DENTAL DENTAL OF KENTUCKY | 462 | $102K |
| Vision | THE DENTAL CONCERN, INC | 168 | $22K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 612 | $48K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 154 | $36K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $33K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 612 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 612 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.