| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | $3K | $569 | $4K | 4.63% |
| ALIUM LLC3 | 137 BRECKENRIDGE LANE LOUISVILLE, KY 40207 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 1.48% |
| ALIUM INSURANCE PARTNERS, LLC3 Filed as: ALIUM INSURANCE PARTNERS | 137 BRECKENRIDGE LANE LOUISVILLE, KY 40207 | STANDARD INSURANCE COMPANY | $938 | $0 | $938 | 1.24% |
| ALIUM INSURANCE PARTNERS, LLC3 Filed as: ALIUM INSURANCE PARTNERS | 137 BRECKENRIDGE LANE LOUISVILLE, KY 40207 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 4.72% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 4.49% |
| ROBBINS STAR3 | PO BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 18.45% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.90% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 230 | $70K |
| Vision | DELTA DENTAL OF KENTUCKY | 230 | $70K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 205 | $94K |
| Short-term disability | STANDARD INSURANCE COMPANY | 205 | $76K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 205 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.