| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | $3K | $22K | 15.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 4.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE, STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 11.25% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $386 | $0 | $386 | 0.90% |
| AMY JOHANNEMANN3 | 11708 E STATE ROAD 56 FRENCH LICK, IN 47432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $314 | $0 | $314 | 0.73% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | CONTINENTAL AMERICAN INSURANCE COMPANY | $261 | $0 | $261 | 0.61% |
| JOHN WHITTY3 | 6216 INNES TRACE RD LOUISVILLE, KY 40222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $195 | $0 | $195 | 0.46% |
| NJN LLC3 | 239 FRANCK AVE LOUISVILLE, KY 40253 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | $0 | $46 | 0.11% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE WATER INSURANCE | PO BOX 43075 LOUISVILLE, KY 40253 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | $0 | $46 | 0.11% |
| AKERS ENTERPRISES LLC3 | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | $0 | $45 | 0.11% |
| MARK GALVIN LLC3 Filed as: MARK ALLEN GALVIN | 715 GREENWOOD DR ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.07% |
| DAVID M WATSON3 Filed as: DAVID MICHAEL WATSON | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.03% |
| RONNIE LEE JANES JR3 | 5006 MIDDLESEX DRIVE LOUISVILLE, KY 40245 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| REBECCA ANN DOEPKE3 | 4019 DEER LAKE CIRCLE PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| REBECCA ANN DOEPKE3 | 4019 DEER LAKE CIRCLE PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| SETH O AKERS3 | 487 NORMANDY STATION RD TAYLORSVILLE, KY 40071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| MARK GALVIN LLC3 Filed as: MARK ALLEN GALVIN | 715 GREENWOOD DR ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| STEPHEN GODFREY3 | 6917 MATTHEWS RD LOUISVILLE, KY 40258 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| DAVID LUURTSEMA3 | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF KENTUCKY | $2K | $0 | $2K | 10.00% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 351 | $72K |
| Vision | DELTA DENTAL OF KENTUCKY | 274 | $21K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $143K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $143K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $143K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.