| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LN, STE 50 LOUISVILLE, KY 40207 | UNITED HEALTHCARE INSURANCE COMPANY | $62K | — | $62K | 4.05% |
| ZINSER BENEFIT SERVICE3 Filed as: ZINSER BENEFIT SERVICE, INC. | 330 EVERGREEN RD LOUISVILLE, KY 40243 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 4.80% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES TX | P. O. BOX 203334 DALLAS, TX 75320 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MARY T. MADDOX3 | 3429 STONY SPRING CIRCLE LOUISVILLE, KY 40220 | ALLSTATE | $2K | — | $2K | 5.10% |
| WELLS FARGO INSURANCE SERVICES3 | 950 BRECKENRIDGE LANE, SUITE 50 LOUISVILLE, KY 40004 | ALLSTATE | $2K | — | $2K | 5.10% |
| ONE AMERICA SECURITIES INC3 Filed as: ONE AMERICA | ONE AMERICAN SQUARE PO BOX 368 INDIANAPOLIS, IN 462060368 | ONEAMERICA | $6K | — | $6K | 16.39% |
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LANE, SUITE 50 LOUISVILLE, KY 40207 | ONEAMERICA | $3K | — | $3K | 9.40% |
| JAMES FINN3 | 7016 TWIN SPRINGS DRIVE SELLERSBURG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $7K | 64.72% |
| SUNPALM LLC3 | 11810 DUANE POINT CIRCLE #103 LOUISVILLE, KY 40243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 25.63% |
| JANE MARIE DOMBART3 | 6900 RUSHWOOD COURT CINCINNATI, OH 45241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $458 | $24 | $482 | 4.25% |
| ZINSER BENEFIT SERVICE3 Filed as: ZINSER BENEFIT SERVICE, INC. | 330 N EVERGREEN RD, STE 6 LOUISVILLE, KY 40243 | UNION SECURITY INSURANCE COMPANY | $60 | — | $60 | 9.98% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 358 | $1.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KENTUCKY | 255 | $59K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 358 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 231 | $65K |
| Short-term disability(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 231 | $124K |
| Long-term disability(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 231 | $124K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 231 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.