| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62827 VIRGINIA BEACH, VA 234662827 | HUMANA HEALTH PLAN, INC. | $67K | $6K | $74K | 4.37% |
| KELLEY ANDERSON3 Filed as: KELLEY E ANDERSON | 7010 HIGHGROVE LANE CRESTWOOD, KY 400148689 | HUMANA HEALTH PLAN, INC. | $12K | — | $12K | 0.70% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62827 VIRGINIA BEACH, VA 234662827 | THE DENTAL CONCERN | $3K | $378 | $3K | 4.90% |
| KELLEY ANDERSON3 Filed as: KELLEY E ANDERSON | 7010 HIGHGROVE LANE CRESTWOOD, KY 400148689 | THE DENTAL CONCERN | $1K | — | $1K | 1.53% |
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LANE, SUITE 50 LOUISVILLE, KY 40207 | ONEAMERICA | $6K | — | $6K | 16.23% |
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LN, STE 50 LOUISVILLE, KY 40207 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.76% |
| MARY T. MADDOX3 | 3429 STONY SPRING CIRCLE LOUISVILLE, KY 40220 | ALLSTATE | $1K | — | $1K | 9.34% |
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LANE SUITE 50 LOUISVILLE, KY 40207 | ALLSTATE | $1K | — | $1K | 7.31% |
| BENEFIT COMMUNICATORS INC3 | 3429 STONY SPRING CIRCLE LOUISVILLE, KY 40220 | ALLSTATE | $44 | — | $44 | 0.28% |
| JAMES FINN3 | 7016 TWIN SPRINGS DRIVE SELLERSBURG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 17.87% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | $181 | $403 | 3.05% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM JACK MITCHELL | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | $86 | $276 | 2.09% |
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 | 204 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA HEALTH PLAN, INC. | 206 | $1.7M |
| Dental | THE DENTAL CONCERN | 164 | $70K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 134 | $16K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 32 | $67K |
| Short-term disability | ONEAMERICA | 66 | $35K |
| Long-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 66 | $89K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 27 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.