| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HUMANA HEALTH PLAN, INC. | $45K | $15K | $60K | 2.18% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $0 | $43K | 14.77% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE DENTAL CONCERN, INC. | $6K | $11K | $17K | 8.69% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | RELIASTAR LIFE INSURANCE COMPANY | $11K | $0 | $11K | 20.00% |
| PAYCOR INC3 Filed as: PAYCOR, INC. | 4811 MONTGOMERY ROAD CINCINNATI, OH 45212 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.25% |
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 | 335 | 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) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 305 | $2.7M |
| Dental | THE DENTAL CONCERN, INC. | 308 | $199K |
| Vision | THE DENTAL CONCERN, INC. | 308 | $199K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 334 | $292K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 334 | $292K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 334 | $292K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 305 | $2.7M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 334 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.