| 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 | $1K | $0 | $1K | 1.88% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE WATER INSURANCE LLC | 9816 WINGED FOOT DRIVE LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $910 | $0 | $910 | 1.35% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE WATER INSURANCE | PO BOX 43075 LOUISVILLE, KY 40253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.03% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.97% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE WATER INSURANCE LLC | PO BOX 43075 LOUISVILLE, KY 40253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.25% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $721 | $0 | $721 | 2.75% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE WATER INSURANCE LLC | PO BOX 43075 LOUISVILLE, KY 40253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.07% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $665 | $0 | $665 | 2.93% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE WATER INSURANCE LLC | 9816 WINGED FOOT DRIVE LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $853 | $0 | $853 | 4.85% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $234 | $0 | $234 | 1.33% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 8335 KEYSTONE XING STE 106 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF KENTUCKY | $164 | $0 | $164 | 0.93% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 38 FOUNTAIN SQUARE PLAZA MD10AT76 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $683 | $0 | $683 | 9.21% |
| JOHN WHITTY3 | 6216 INNES TRACE RD LOUISVILLE, KY 40222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $223 | $0 | $223 | 3.01% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT CT. LOUISVILLE, KY 40245 | CONTINENTAL AMERICAN INSURANCE COMPANY | $186 | $0 | $186 | 2.51% |
| AKERS ENTERPRISES LLC3 | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | $0 | $46 | 0.62% |
| MARK GALVIN LLC3 Filed as: MARK ALLEN GALVIN | 715 GREENWOOD DR ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.31% |
| STEPHEN GODFREY3 | 6917 MATTHEWS RD LOUISVILLE, KY 40258 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.15% |
| DAVID M WATSON3 Filed as: DAVID MICHAEL WATSON | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.05% |
| REBECCA ANN DOEPKE3 | 4019 DEER LAKE CIRCLE #205 PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.05% |
| DAVID LUURTSEMA3 | 326 OLD CARDINAL DR ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 349 | $68K |
| Vision | DELTA DENTAL OF KENTUCKY | 255 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $40K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 68 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 46 | $26K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.