| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC. | $62K | $11K | $72K | 3.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | HUMANA HEALTH PLAN, INC. | $19K | $5K | $24K | 1.16% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $3K | $26K | 16.68% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | THE DENTAL CONCERN, INC. | $8K | $493 | $8K | 6.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | THE DENTAL CONCERN, INC. | $0 | $322 | $322 | 0.27% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 16.69% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 200 | $2.0M |
| Dental | THE DENTAL CONCERN, INC. | 186 | $121K |
| Vision | THE DENTAL CONCERN, INC. | 186 | $121K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 259 | $154K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 259 | $154K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 259 | $154K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 200 | $2.0M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 263 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.