| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | UNITED HEALTHCARE INSURANCE COMPANY | $31K | $462 | $32K | 4.44% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | CITIZENS SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 5.50% |
| CITIZENS SECURITY3 | P.O. BOX 436149 LOUISVILLE, KY 40253 | CITIZENS SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 5.50% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE RD LEXINGTON, KY 40504 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 15.00% |
| UNITED BENEFITS ADVISORS INC3 Filed as: UNITED BENEFITS ADVISORS, INC. | 10 WUNSHINE LANE RED LION, PA 17356 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $97 | $97 | 0.18% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 225 | $709K |
| Dental | CITIZENS SECURITY LIFE INSURANCE COMPANY | 208 | $70K |
| Vision | CITIZENS SECURITY LIFE INSURANCE COMPANY | 208 | $70K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $55K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $55K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $55K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.