| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS. & BENEFITS GROUP, LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $48K | $2K | $50K | 4.29% |
| INSURAMAX INC3 Filed as: INSURAMAX INC. | 805 NORTH WHITTINGTON PARKWAY LOUISVILLE, KY 40222 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 18.28% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 1.72% |
| RYAN J PAYNE3 Filed as: RYAN J. PAYNE | 30 EAST CUTSHALL ROAD AUSTIN, IN 47102 | AFLAC | $1K | $91 | $2K | 3.34% |
| TY DANE SIMPSON3 Filed as: TY DANE SIMPSON AND OTHER AGENTS | 6116 DEER TRACE COURT GEORGETOWN, IN 47122 | AFLAC | $1K | $0 | $1K | 2.98% |
| INSURAMAX INC3 Filed as: INSURAMAX, INC. | 805 NORTH WHITTINGTON PARKWAY SUITE 150 LOUISVILLE, KY 40222 | AFLAC | $1K | — | $1K | 2.67% |
| SHAWN M COLIN3 Filed as: SHAWN M. COLIN | 4081 PAOLI PIKE FLOYDS KNOBS, IN 47119 | AFLAC | $942 | $18 | $960 | 2.10% |
| ALAN EDRINGTON3 | 9302 HI VIEW LANE LOUISVILLE, KY 40272 | AFLAC | $867 | $0 | $867 | 1.89% |
| MARTIL ONEIL3 | PO BOX 436042 LOUISVILLE, KY 40253 | AFLAC | $289 | $0 | $289 | 0.63% |
| BRANDEE L JUSTUS3 Filed as: BRANDEE L. JUSTUS | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | AFLAC | $232 | $0 | $232 | 0.51% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 208 | $1.2M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 208 | $1.2M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 208 | $1.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 160 | $68K |
| Short-term disability | AFLAC | 56 | $46K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 160 | $68K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 160 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.