| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | $5K | $35K | 11.18% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $5K | $30K | 11.16% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $3K | $27K | 15.17% |
| STAR ROBBINS3 | P.O. BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 9.77% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 3.93% |
| KELLER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NC 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $222 | — | $222 | 0.18% |
| STAR ROBBINS3 | P.O. BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 7.51% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.22% |
| STAR ROBBINS3 Filed as: STAR ROBBINS AND COMPANY | P.O. BOX 1007 LONDON, KY 40743 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | — | $9K | 16.44% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 9.54% |
| KELLER & ASSOCIATES3 Filed as: KELLER & ASSOCIATES, INC. | 2209 FIRST AVENUE PLATTSMOUTH, NE 68048 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.03% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | TRANSAMERICA LIFE INSURANCE COMPANY | $129 | — | $129 | 0.23% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $410 | $3K | 10.86% |
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 | 1,707 | 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) | 1,707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,964 | $327K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 542 | $312K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 414 | $177K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,883 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,964 | — |
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.