| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS | PO BOX 221649 LOUISVILLE, KY 40252 | DENTAL CARE PLUS, INC. | $8K | — | $8K | 10.97% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 14.96% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | $1K | $742 | $2K | 15.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 TPA | Claims processing; Contract Administrator; Other fees Service code 12 | 1830 DESTINY LANE SUITE 108 BOWLING GREEN, KY 42104 | $94K |
| EPIC INSURANCE SOLUTIONS BROKER | Insurance agents and brokers Service code 22 | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | $49K |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 276 | $77K |
| Vision | THE DENTAL CONCERN, INC. | 88 | $14K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 156 | $72K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 156 | $72K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 156 | $72K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 156 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.