| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 62827 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 8.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 3176 NORFOLK, VA 23514 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 6.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 62827 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 8.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 3176 NORFOLK, VA 23514 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 6.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | 312 ELM STREET FLOOR 24 CINCINNATI, OH 45202 | DELTA DENTAL OF KENTUCKY | $9K | — | $9K | 5.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 6287 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 3176 NORFOLK, VA 23514 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 6.48% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NL INSURANCE INC LOUISVILLE | 2305 RIVER ROAD LOUISVILLE, KY 40206 | KANAWHA INSURANCE COMPANY | $2K | $2K | $3K | 9.74% |
| ASSURED NL INS SVCS INC.3 Filed as: ASSURED NL INS AGENCY INC CINCINNAT | 5905 E GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 5.19% |
| PIRCE DWIGHT AWS3 | 1365 W VISTA WAY SUITE 201 VISTA, CA 92083 | KANAWHA INSURANCE COMPANY | $262 | — | $262 | 0.75% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | KANAWHA INSURANCE COMPANY | $131 | $112 | $243 | 0.70% |
| INSURMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 40220 | KANAWHA INSURANCE COMPANY | $154 | $3 | $157 | 0.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC LOUISVILLE | 777 BONHOMME AVENUE ATE 2300 SAINT LOUIS, MO 63105 | KANAWHA INSURANCE COMPANY | -$136 | — | -$136 | -0.39% |
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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KANAWHA INSURANCE COMPANY | 35 | $35K |
| Dental | DELTA DENTAL OF KENTUCKY | 503 | $160K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 194 | $347K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 368 | $289K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 363 | $179K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 194 | $347K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 368 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.