| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS, INC. | 2305 RIVER ROAD, SUITE 300 LOUISVILLE, KY 40206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 10.15% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 4000 SMITH ROAD, SUITE 400 LOUISVILLE, KY 40209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 10.06% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $575 | — | $575 | 0.85% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $68K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $68K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 164 | $124K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 164 | $124K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 164 | $124K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 164 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.