| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HUMANA HEALTH PLAN, INC. | $85K | $30K | $115K | 4.72% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE DENTAL CONCERN, INC. | $6K | $9K | $15K | 8.12% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE LUKENS, INC. | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 13.02% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 15.36% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES | 2300 NW CORPORATE BOULEVARD SUITE 215 BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $421 | — | $421 | 1.65% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 33.89% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $466 | $3K | 17.50% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | ONEAMERICA | $5K | — | $5K | 49.21% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC. | 246 | $2.5M |
| Dental | THE DENTAL CONCERN, INC. | 249 | $184K |
| Vision | THE DENTAL CONCERN, INC. | 249 | $184K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $93K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $103K |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $119K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 246 | $2.4M |
| Other(3 contracts, 3 carriers) | HUMANA HEALTH PLAN, INC. | 281 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.