| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $38K | $2K | $40K | 2.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | $0 | $34K | 13.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $15K | $18K | 6.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $4K | $12K | 15.00% |
| STARLENA A ROBBINS3 Filed as: STARLENA ROBBINS | 853 EAST 4TH STREET PO BOX 1007 LONDON, KY 40743 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 3.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 3.25% |
| DIVERSIFIED INSURANCE3 Filed as: DIVERSIFIED BENEFITS, INC. | 911 THORPE DRIVE LOUISVILLE, KY 40243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $367 | $0 | $367 | 7.54% |
| JUAN GOMES3 | 10125 SPRINGHURST AVENUE LOUISVILLE, KY 40241 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147 | — | $147 | 3.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KY, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.33% |
| STEVEN JOSEPH MILLER3 | 1404 BROWN LANE, SUITE D LOUISVILLE, KY 40207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.25% |
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 | 368 | 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) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 323 | $1.8M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 323 | $1.8M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 323 | $1.8M |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $312K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $260K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $260K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 323 | $1.8M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.