| 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 | $14K | — | $14K | 3.81% |
| ROBBINS STAR3 | P.O. BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 13.62% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE RD LEXINGTON, KY 40504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.16% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE RD LEXINGTON, KY 40504 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 9.57% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.64% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FL SAN DIEGO, CA 92112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $154 | $154 | 1.00% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FL SAN DIEGO, CA 92112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $133 | $133 | 1.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE RD LEXINGTON, KY 40504 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE RD LEXINGTON, KY 40504 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $548 | — | $548 | 10.00% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE RD LEXINGTON, KY 40504 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $619 | — | $619 | 13.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FL SAN DIEGO, CA 92112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $47 | $47 | 1.01% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 129 | $379K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 132 | $20K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 123 | $5K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $5K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $13K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 129 | $379K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 162 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.