| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF KENTUCKY | $12K | $0 | $12K | 10.76% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN VIRGINIA BEACH, VA 23466 | ONEAMERICA FINANCIAL PARTNERS, INC. | $8K | $2K | $10K | 14.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| PLAN CHOICE3 | 13257 OBANNON STATION WAY LOUISVILLE, KY 40223 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $949 | $0 | $949 | 3.00% |
| BOYCE AND ASSOCIATES, INC.3 Filed as: BOYCE AND ASSOCIATES INC. | 212 OVERLOOK CIRCLE, SUITE 1 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $654 | $0 | $654 | 9.93% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $149 | $0 | $149 | 2.26% |
| RECA L. WILLIAMS3 | 623 WOODLEIGH DRIVE NASHVILLE, TN 37215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | $0 | $95 | 1.44% |
| HEALTHSMART BENEFIT SOLUTIONS3 Filed as: HEALTHSMART BENEFIT SOLUTIONS INC. | 222 WEST LAS COLINAS BOULEVARD SUITE 600N IRVING, TX 75039 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | $0 | $31 | 0.47% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PIKE, SUITE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $705 | $0 | $705 | 20.46% |
| BOYCE AND ASSOCIATES, INC.3 Filed as: BOYCE AND ASSOCIATES INC. | 212 OVERLOOK CIRCLE, SUITE 1 BRENTWOOD, TN 37027 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $583 | $0 | $583 | 16.92% |
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 | 483 | 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) | 483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 408 | $109K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 400 | $32K |
| Life insurance | ONEAMERICA FINANCIAL PARTNERS, INC. | 483 | $68K |
| Short-term disability | ONEAMERICA FINANCIAL PARTNERS, INC. | 483 | $68K |
| Long-term disability | ONEAMERICA FINANCIAL PARTNERS, INC. | 483 | $68K |
| Other(3 contracts, 3 carriers) | ONEAMERICA FINANCIAL PARTNERS, INC. | 483 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.