| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | UNKNOWN LEXINGTON, KY 40509 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | $510 | $8K | 9.54% |
| COMMUNITY ACTION KENTUCKY, INC.3 | 101 BURCH COURT FRANKFORT, KY 40601 | DELTA DENTAL OF KENTUCKY | $2K | $0 | $2K | 2.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY, INC. | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $2K | $0 | $2K | 2.66% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 39.00% |
| ASSUREDPARTNERS3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | THE DENTAL CONCERN, INC. | $1K | $0 | $1K | 9.47% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE DENTAL CONCERN, INC. | $0 | $405 | $405 | 3.41% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 223 | $65K |
| Vision | THE DENTAL CONCERN, INC. | 118 | $12K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 183 | $81K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 183 | $81K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 183 | $81K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 183 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.