| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIFTH THIRD INSURANCE AGENCY INC3 | 8335 KEYSTONE XING, STE 106 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 4.78% |
| 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 | $4K | $0 | $4K | 9.15% |
| JOHN WHITTY3 | 6216 INNES TRACE RD LOUISVILLE, KY 40222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.24% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.34% |
| AKERS ENTERPRISES LLC3 | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $365 | $0 | $365 | 0.85% |
| MARK GALVIN LLC3 Filed as: MARK A GALVIN | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154 | $0 | $154 | 0.36% |
| STEPHEN GODFREY3 | 6917 MATTHEWS RD LOUISVILLE, KY 40258 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | $0 | $52 | 0.12% |
| DAVID WATSON3 | 3912 FALLEN TIMBER RD LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.03% |
| REBECCA A DEFERRARO3 Filed as: REBECCA A DOEPKE | 307 MONOHAN DRIVE LOUISVILLE, KY 40207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.03% |
| DAVID LUURTSEMA3 Filed as: DAVID R LUURTSEMA | 308 ROSEDALE DRIVE ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 8335 KEYSTONE XING, STE 106 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF KENTUCKY | $433 | $0 | $433 | 2.78% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 304 | $63K |
| Vision | DELTA DENTAL OF KENTUCKY | 218 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $43K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 78 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $27K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 94 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.