| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTION AGENCY, LLC | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 402234038 | HUMANA HEALTH PLAN, INC. | $68K | $7K | $75K | 3.89% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 402234038 | THE DENTAL CONCERN, INC. | $3K | $2K | $5K | 6.50% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 40223 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 6.09% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY | 9700 ORMSBY ROAD LOUISVILLE, KY 400234038 | ONEAMERICA | $8K | — | $8K | 16.38% |
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LANE, SUITE 50 LOUISVILLE, KY 40207 | ONEAMERICA | — | $740 | $740 | 1.46% |
| MARY T. MADDOX3 | 3429 STONY SPRING CIRCLE LOUISVILLE, KY 40220 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.30% |
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LANE SUITE 50 LOUISVILLE, KY 40207 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.68% |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INSURANCE AGENCY | 9700 OMBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $581 | — | $581 | 2.91% |
| BENEFIT COMMUNICATORS INC3 | 3429 STONY SPRING CIRCLE LOUISVILLE, KY 40220 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.25% |
| JAMES FINN3 | 7016 TWIN SPRINGS DRIVE SELLERSBURG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 8.23% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $716 | — | $716 | 4.68% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | $221 | $460 | 3.01% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM JACK MITCHELL | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $81 | $299 | 1.96% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | PO BOX 221649 LOUISVILLE, KY 40252 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.53% |
| EPIC3 Filed as: EPIC INS SOLUTIONS AGENCY LLC | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 40223 | UNITED HEALTHCARE INSURANCE COMPANY | $561 | — | $561 | 4.14% |
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 | 189 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 183 | $1.9M |
| Dental | THE DENTAL CONCERN, INC. | 155 | $72K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 236 | $14K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 249 | $54K |
| Short-term disability | ONEAMERICA | 83 | $51K |
| Long-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 249 | $104K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 249 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.