| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 40220 | HUMANA HEALTH PLAN INC | $38K | $0 | $38K | 4.07% |
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 40220 | AFLAC | $6K | $157 | $6K | 11.36% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 40220 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 8.54% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 40220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $550 | $3K | 11.58% |
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 40220 | EYEMED | $972 | $0 | $972 | 12.55% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN INC | 127 | $935K |
| Dental | DELTA DENTAL OF KENTUCKY | 162 | $36K |
| Vision | EYEMED | 140 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $25K |
| Other(2 contracts, 2 carriers) | AFLAC | 122 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.