| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | $3K | $3K | 1.06% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 421043375 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $3K | $14K | 27.92% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 421043375 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $7K | 27.52% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 421043375 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $958 | $4K | 27.97% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 421043375 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $821 | $4K | 27.67% |
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 | 266 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 140 | $63K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 300 | $310K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $65K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 60 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $24K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 300 | $310K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.