| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JILL HARROD, INC.3 | 2300 MEADOW DRIVE, STE 203 LOUISVILLE, KY 40218 | HARTFORD LIFE AND ACCIDENT | $41K | — | $41K | 5.00% |
| JILL HARROD, INC.3 | 2300 MEADOW DRIVE, STE 203 LOUISVILLE, KY 40218 | HARTFORD LIFE AND ACCIDENT | $342 | — | $342 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Claims processing; Float revenue Service code 12 | — | $617K |
| THE SEGEL COMPANY EIN 13-1975125 NONE | Consulting (general) Service code 16 | — | $105K |
| MEDICAL COST MANAGEMENT EIN 36-3445315 NONE | Consulting (general) Service code 16 | — | $97K |
| ISSI EIN 23-2182079 NONE | Other services Service code 49 | — | $89K |
| STAR RAINES EIN 61-0605310 EMPLOYEE | Employee (plan) Service code 30 | — | $86K |
| MCM CPAS & ADVISORS LLP EIN 27-1235638 NONE | Accounting (including auditing) Service code 10 | — | $84K |
| LEDBETTER PARISI LLC NONE | Legal Service code 29 | 105 DAVENTRY LANE, STE 200 LOUISVILLE, KY 40223 | $81K |
| DEBORAH REID EIN 61-0605310 EMPLOYEE | Employee (plan) Service code 30 | — | $67K |
| LISA AMSHOFF EIN 61-0605310 EMPLOYEE | Employee (plan) Service code 30 | — | $59K |
| JENNIFER BURGIN EIN 61-0605310 EMPLOYEE | Employee (plan) Service code 30 | — | $57K |
| LAURA MILLER EIN 61-0605310 EMPLOYEE | Employee (plan) Service code 30 | — | $50K |
| LISA CARROLL EIN 61-0605310 EMPLOYEE | Employee (plan) Service code 30 | — | $48K |
| MELANIE WENDLER EIN 61-0605310 EMPLOYEE | Employee (plan) Service code 30 | — | $44K |
| LINDA STRANGE EIN 61-0605310 EMPLOYEE | Employee (plan) Service code 30 | — | $40K |
| WAYNE CORPORATION EIN 61-1129889 NONE | Other services Service code 49 | — | $35K |
| ADVANCED BUSINESS SOLUTIONS EIN 61-1297426 NONE | Consulting (general) Service code 16 | — | $18K |
| STANDARD VALUATIONS INC. EIN 41-1327339 NONE | Investment advisory (plan) Service code 27 | — | $17K |
| DUNN AND WALLBAUM, PLLC EIN 46-1576504 NONE | Legal Service code 29 | — | $16K |
| NAVIGATE, LLC NONE | Consulting (general) Service code 16 | 211 TOWNEPARK CIRCLE, STE 101 LOUISVILLE, KY 40243 | $4K |
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 | 1,615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 457 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,072 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARTFORD LIFE AND ACCIDENT | 536 | $824K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 536 | $824K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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.