| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE RD LEXINGTON, KY 40504 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 9.12% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC. LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 6.17% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE RD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 10.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION STREET, 4TH FL COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 14.48% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE RD LEXINGTON, KY 40504 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $109 | $5K | 9.75% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH CO | 8425 PULSAR PLACE, SUITE 450 COLUMBUS, OH 43240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $135 | — | $135 | 0.26% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE RD LEXINGTON, KY 40504 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 ADMINISTRATOR /CLAIMS PRO | Claims processing; Contract Administrator Service code 12 | — | $129K |
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $28K |
| BENEFIT INSURANCE MARKETING INC. EIN 61-0966902 BROKER | Other commissions; Insurance agents and brokers Service code 22 | — | $27K |
| CONNECTCARE3, LLC EIN 26-1768616 PATIENT ADVOCACY | Other services Service code 49 | — | $9K |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 250 | $60K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $107K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $107K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $107K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
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.