| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE WATER INSURANCE | PO BOX 43075 LOUISVILLE, KY 40253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE WATER INSURANCE LLC | 9816 WINGED FOOT DRIVE LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 4.72% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE WATER INSURANCE | PO BOX 43075 LOUISVILLE, KY 40253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| 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 | 15.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE WATER INSURANCE LLC | 9816 WINGED FOOT DRIVE LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $2K | $0 | $2K | 9.95% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $51 | $0 | $51 | 0.26% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 38 FOUNTAIN SQUARE PLAZA MD10AT76 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 12.70% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | CONTINENTAL AMERICAN INSURANCE COMPANY | $306 | $0 | $306 | 1.58% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE WATER INSURANCE | PO BOX 43075 LOUISVILLE, KY 40253 | CONTINENTAL AMERICAN INSURANCE COMPANY | $265 | $0 | $265 | 1.37% |
| JOHN WHITTY3 | 6216 INNES TRACE RD LOUISVILLE, KY 40222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $233 | $0 | $233 | 1.20% |
| AKERS ENTERPRISES LLC3 | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | $0 | $51 | 0.26% |
| STEPHEN GODFREY3 | 6917 MATTHEWS RD LOUISVILLE, KY 40258 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.13% |
| MARK GALVIN LLC3 Filed as: MARK ALLEN GALVIN | 715 GREENWOOD DR ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.11% |
| AMY JOHANNEMANN3 | 11708 E STATE ROAD 56 FRENCH LICK, IN 47432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.08% |
| REBECCA ANN DOEPKE3 | 4019 DEER LAKE CIRCLE #205 PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.05% |
| DAVID M WATSON3 Filed as: DAVID MICHAEL WATSON | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.05% |
| MARK GALVIN LLC3 Filed as: MARK ALLEN GALVIN | 715 GREENWOOD DR ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 343 | $68K |
| Vision | DELTA DENTAL OF KENTUCKY | 285 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $85K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 69 | $45K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.