| 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 | $9K | $0 | $9K | 12.41% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.59% |
| 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 | 4.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF KENTUCKY | $208 | $0 | $208 | 0.31% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE WATER INSURANCE | PO BOX 43075 LOUISVILLE, KY 40253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $650 | $0 | $650 | 2.01% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE WATER INSURANCE | PO BOX 43075 LOUISVILLE, KY 40253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.46% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $652 | $0 | $652 | 2.54% |
| JOHN WHITTY3 | 6216 INNES TRACE RD LOUISVILLE, KY 40222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $587 | $0 | $587 | 2.46% |
| AMY JOHANNEMANN3 | 11708 E STATE ROAD 56 FRENCH LICK, IN 47432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $482 | $0 | $482 | 2.02% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | CONTINENTAL AMERICAN INSURANCE COMPANY | $337 | $0 | $337 | 1.41% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 38 FOUNTAIN SQUARE PLAZA MD10AT76 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $274 | $0 | $274 | 1.15% |
| AKERS ENTERPRISES LLC3 | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $138 | $0 | $138 | 0.58% |
| MARK GALVIN LLC3 Filed as: MARK ALLEN GALVIN | 715 GREENWOOD DR ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | $0 | $38 | 0.16% |
| STEPHEN GODFREY3 | 6917 MATTHEWS RD LOUISVILLE, KY 40258 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.08% |
| DAVID M WATSON3 Filed as: DAVID MICHAEL WATSON | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| REBECCA ANN DOEPKE3 | 4019 DEER LAKE CIRCLE #205 PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| DAVID LUURTSEMA3 | 326 OLD CARDINAL DR ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| 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 | 8.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF KENTUCKY | $287 | $0 | $287 | 1.45% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 323 | $67K |
| Vision | DELTA DENTAL OF KENTUCKY | 264 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $70K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 79 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 56 | $32K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.