| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC. | 211 GRANDVIEW DR STE 307 FORT MITCHELL, KY 41017 | HUMANA HEALTH PLAN, INC. | $22K | $482 | $23K | 6.21% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS | 211 GRANDVIEW DR STE 204 FT MITCHELL, KY 41017 | DENTAL CARE PLUS, INC. | $4K | $0 | $4K | 4.16% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS | 211 GRANDVIEW FT MITCHELL, KY 41017 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | $1K | $10K | 15.40% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS | 211 GRANDVIEW FT MITCHELL, KY 41017 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| INSURANCE ASSOCIATES PLUS, INC.3 | 100 CROWNE POINT PL CINCINNATI, OH 45241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $826 | $0 | $826 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUSINESS BENEFITS BROKER | Insurance agents and brokers Service code 22 | 211 GRANDVIEW DR STE 307 FT MITCHELL, KY 41017 | $36K |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 125 | $85K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 96 | $17K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 167 | $66K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 167 | $66K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 167 | $66K |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN, INC. | 124 | $367K |
| Other | HUMANA HEALTH PLAN, INC. | 124 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.