| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS | 211 GRANDVIEW DRIVE STE 204 FORT MITCHELL, KY 41017 | DENTAL CARE PLUS, INC. | $4K | — | $4K | 4.07% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC. | 211 GRANDVIEW DRIVE STE 204 FORT MITCHELL, KY 41017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $83 | $3K | 14.51% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS | 211 GRANDVIEW DRIVE STE 204 FORT MITCHELL, KY 41017 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $627 | — | $627 | 4.54% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC. | 211 GRANDVIEW DRIVE STE 204 FORT MITCHELL, KY 41017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $750 | $83 | $833 | 14.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS EIN 31-1249371 CONTRACT | Plan Administrator Service code 14 | — | $47K |
| SHERRILL D MORGAN AGENCY EIN 61-1008329 BROKER | Real estate brokerage Service code 32 | — | $27K |
| PAYER COMPASS EIN 46-2047081 CONTRACT | Other fees Service code 99 | — | $18K |
| MEDICAL BENEFITS MUTUAL LIFE INS CO EIN 31-4210910 CONTRACT | Plan Administrator Service code 14 | — | $3K |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 127 | $92K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 213 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $18K |
| Stop-loss / reinsurancereinsurance | HCCB | 125 | $178K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.