| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIFTH THIRD INSURANCE AGENCY INC3 | — | HUMANA HEALTH PLAN, INC. | $29K | $3K | $32K | 2.77% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | 9700 ORMBSY STATION ROAD LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $28K | $3K | $31K | 2.66% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | 9700 ORMSBY STATION RD, STE 200 LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $2K | $0 | $2K | 3.84% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 8335 KEYSTONE XING, STE 106 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF KENTUCKY | $747 | $0 | $747 | 1.23% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.88% |
| EPIC3 Filed as: EPIC INS SOLUTIONS AGENCY LLC | PO BOX 221649 LOUISVILLE, KY 40252 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.12% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.54% |
| EPIC3 Filed as: EPIC INS SOLUTIONS AGENCY LLC | PO BOX 221649 LOUISVILLE, KY 40252 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.46% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.53% |
| EPIC3 Filed as: EPIC INS SOLUTIONS AGENCY LLC | PO BOX 221649 LOUISVILLE, KY 40252 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.46% |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INSURANCE AGENCY, INC. | 9700 ORMSBY STATION RD SUITE 200 LOUISVILLE, KY 40223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 9.15% |
| JOHN WHITTY3 | 6216 INNES TRACE RD LOUISVILLE, KY 40222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $560 | $0 | $560 | 3.50% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT CT. LOUISVILLE, KY 40245 | CONTINENTAL AMERICAN INSURANCE COMPANY | $323 | $0 | $323 | 2.02% |
| AKERS ENTERPRISES LLC3 | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | $0 | $126 | 0.79% |
| MARK GALVIN LLC3 Filed as: MARK A GALVIN | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | $0 | $61 | 0.38% |
| STEPHEN GODFREY3 | 6917 MATTHEWS RD LOUISVILLE, KY 40258 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | $0 | $42 | 0.26% |
| DAVID LUURTSEMA3 Filed as: DAVID R LUURTSEMA | 308 ROSEDALE DRIVE ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 197 | $1.1M |
| Dental | DELTA DENTAL OF KENTUCKY | 334 | $61K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $38K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 75 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $27K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.