| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION ROAD STE 200 LOUISVILLE, KY 40223 | TOKIO MARINE | $27K | — | $27K | 5.85% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD SUITE 200 LOUISVILLE, KY 40223 | TOKIO MARINE | $19K | — | $19K | 4.15% |
| FIFTH THIRD INSURANCE AGENCY INC3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $34K | $12K | $46K | 12.42% |
| FOUNDATION RISK PARTNERS CORP3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $23K | $819 | $24K | 6.50% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 8335 KEYSTONE XING STE 106 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 2.02% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD 3200 LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $873 | — | $873 | 0.84% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 40223 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 14.21% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 10.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $200K |
| FIFTH THIRD INSURANCE AGENCY INC BROKER | Other commissions Service code 55 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | $33K |
| EPIC INSURANCE SOLUTIONS, LLC EIN 46-1604811 BROKER | Other commissions Service code 55 | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | $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 | 323 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 441 | $104K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 323 | $371K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 323 | $371K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 323 | $371K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 253 | $463K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 323 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.