| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM B COX3 | 3320 CLAYS MILL RD LEXINGTON, KY 405033484 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8 | — | $8 | — |
| CATHERINE LEAR CHATFIELD3 | 2365 HARRODSBURG RD STE A220 LEXINGTON, KY 40504 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4 | — | $4 | — |
| DENNIS PIKE JR.3 | 444 EAST MAIN STREET, SUITE 204 LEXINGTON, KY 40507 | MONY LIFE INSURANCE COMPANY | $50 | — | $50 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IRON CAPITAL ADVISORS INC. NONE | Consulting fees; Consulting (general) Service code 16 | 3355 LENOX ROAD SUITE 925 ATLANTA, GA 30326 | $33K |
| CROWE HORWATH LLP EIN 35-0921680 NONE | Consulting fees; Direct payment from the plan; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $23K |
| T. ROWE PRICE TRUST COMPANY EIN 52-1481931 NONE | Participant communication; Other services; Participant loan processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Investment management fees paid directly by plan Service code 15 | — | $14K |
| RETIREMENT MANAGEMENT SERVICES, LLC NONE | Consulting fees; Consulting (general) Service code 16 | 905 LILY CREEK ROAD LOUISVILLE, KY 40243 | $8K |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 159 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 2 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.