| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HUMANA HEALTH PLAN, INC. | $51K | $12K | $64K | 3.11% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | JAIME GRIGSBY, ACCOUNTING MANAGER LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 3.42% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 5905 E GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $161 | $5K | 10.57% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2443 SIR BARTON WAY SUITE 400 LEXINGTON, KY 40509 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $7K | 15.60% |
| J R YOUNG COMPANY INC3 | 2201 REGENCY ROAD SUITE 304 LEXINGTON, KY 40503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 20.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE DENTAL CONCERN, INC | $2K | $1K | $4K | 16.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | KANAWHA INSURANCE COMPANY | $838 | $1K | $2K | 23.41% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 216 | $2.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 457 | $102K |
| Vision | THE DENTAL CONCERN, INC | 168 | $22K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 554 | $49K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $52K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $38K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 554 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.