| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN J BYRNE & ASSOCIATES, LLC | 9401 WILLIAMSBURG PLAZA SUITE 100 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC. | $24K | $13K | $37K | 4.62% |
| BYRNE INSURANCE GROUP3 | 9401 WILLIAMSBURG PLAZA SUITE 100 LOUISVILLE, KY 40222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 15.05% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$21 | — | -$21 | -0.05% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN J BYRNE & ASSOCIATES, LLC | 9401 WILLIAMSBURG PLAZA SUITE 100 LOUISVILLE, KY 40222 | THE DENTAL CONCERN, INC. | $5K | $171 | $5K | 11.21% |
| BYRNE INSURANCE GROUP3 | 9401 WILLIAMSBURG PLAZA SUITE 100 LOUISVILLE, KY 40222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.05% |
| FOUNDATION RISK PARTNERS CORP Filed as: FOUNDATION RISK PARTNERS, CORP. | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$16 | — | -$16 | -0.05% |
| BYRNE INSURANCE GROUP3 | 9401 WILLIAMSBURG PLAZA SUITE 100 LOUISVILLE, KY 40222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.01% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$4 | — | -$4 | -0.01% |
| BYRNE INSURANCE GROUP3 | 9401 WILLIAMSBURG PLAZA SUITE 100 LOUISVILLE, KY 40222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $540 | — | $540 | 14.99% |
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 | 177 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 113 | $801K |
| Dental | THE DENTAL CONCERN, INC. | 112 | $43K |
| Vision | THE DENTAL CONCERN, INC. | 112 | $43K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $29K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $45K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $34K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.