| 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 | $13K | — | $13K | 9.68% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.08% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 15.01% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES, INC. | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 14.32% |
| STAR ROBBINS3 | P.O. BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 12.11% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 5.94% |
| STAR ROBBINS3 | P.O. BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.01% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.01% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $959 | — | $959 | 10.29% |
| STAR ROBBINS3 Filed as: STAR ROBBINS AND COMPANY | P.O. BOX 1007 LONDON, KY 40743 | TRANSAMERICA LIFE INSURANCE COMPANY | $701 | — | $701 | 7.75% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | TRANSAMERICA LIFE INSURANCE COMPANY | $417 | — | $417 | 4.61% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES, INC. | 211 S. 23RD STREET PLATTSMOUTH, NE 68048 | TRANSAMERICA LIFE INSURANCE COMPANY | $136 | — | $136 | 1.50% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | TRANSAMERICA LIFE INSURANCE COMPANY | $35 | — | $35 | 0.39% |
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 | 769 | 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) | 769 | 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 | 1,184 | $146K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 66 | $117K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $99K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,032 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,184 | — |
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.