| 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. | $49K | $2K | $51K | 2.73% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 400234038 | HUMANA HEALTH PLAN, INC. | $25K | $2K | $27K | 1.44% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 402234207 | HUMANA HEALTH PLAN, INC. | $173 | — | $173 | 0.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62827 VIRGINIA BEACH, VA 234662827 | THE DENTAL CONCERN | $3K | $389 | $3K | 4.38% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 402234038 | THE DENTAL CONCERN | $378 | $394 | $772 | 1.11% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 402234207 | THE DENTAL CONCERN | $4 | — | $4 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LANE, SUITE 50 LOUISVILLE, KY 40207 | ONEAMERICA | $4K | $1K | $5K | 14.58% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY | 9700 ORMSBY ROAD LOUISVILLE, KY 400234038 | ONEAMERICA | $2K | — | $2K | 5.23% |
| MARY T. MADDOX3 | 3429 STONY SPRING CIRCLE LOUISVILLE, KY 40220 | ALLSTATE | $1K | — | $1K | 9.18% |
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LANE SUITE 50 LOUISVILLE, KY 40207 | ALLSTATE | $1K | — | $1K | 7.84% |
| BENEFIT COMMUNICATORS INC3 | 3429 STONY SPRING CIRCLE LOUISVILLE, KY 40220 | ALLSTATE | $44 | — | $44 | 0.27% |
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LN, STE 50 LOUISVILLE, KY 40207 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $174 | $1K | 8.63% |
| JAMES FINN3 | 7016 TWIN SPRINGS DRIVE SELLERSBURG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 12.86% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | $235 | $444 | 3.35% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM JACK MITCHELL | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $79 | $268 | 2.02% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 190 | $1.9M |
| Dental | THE DENTAL CONCERN | 154 | $69K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 132 | $15K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 28 | $53K |
| Short-term disability | ONEAMERICA | 61 | $33K |
| Long-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 61 | $86K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 28 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
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.