| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LANE, SUITE 50 LOUISVILLE, KY 40207 | BAPTIST HEALTH PLAN | $40K | $0 | $40K | 4.97% |
| WILLIAM B. SMITH III3 Filed as: WILLIAM SMITH, III | 212 OVERLOOK CIRCLE BRENTWOOD, TN 37027 | DELTA DENTAL OF KENTUCKY | $5K | $0 | $5K | 4.31% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF KENTUCKY | $5K | $0 | $5K | 4.17% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 7.02% |
| WILLIAM BOYCE SMITH3 | 1400 LILLIE COURT FRANKLIN, TN 37067 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 5.68% |
| BOYCE AND ASSOCIATES, INC.3 Filed as: BOYCE AND ASSOCIATES INC. | 212 OVERLOOK CIRCLE BRENTWOOD, TN 37027 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.90% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRIGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.10% |
| PLAN CHOICE3 | 13257 O'BANNON STATION WAY LOUISVILLE, KY 40223 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 8081 KINGSTON PIKE, SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $979 | $4K | 25.99% |
| WILLIAM B. SMITH III3 | 212 OVERLOOK CIRCLE, SUITE 106 BRENTWOOD, TN 37027 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.61% |
| USI INSURANCE SERVICES LLC3 | 9700 ORMSBY STATION ROAD, SUITE 200 LOUISVILLE, KY 40223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $554 | $0 | $554 | 3.39% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PARK, SUITE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 34.99% |
| BOYCE AND ASSOCIATES, INC.3 | 212 OVERLOOK CIRCLE, SUITE 1 BRENTWOOD, TN 37027 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $884 | $0 | $884 | 29.98% |
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 | 556 | 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) | 556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BAPTIST HEALTH PLAN | 174 | $795K |
| Dental | DELTA DENTAL OF KENTUCKY | 492 | $123K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 439 | $34K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 556 | $82K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 36 | $16K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 36 | $16K |
| Prescription drug | BAPTIST HEALTH PLAN | 174 | $795K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 556 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.