| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | HUMANA HEALTH PLANS, INC. | $21K | $0 | $21K | 2.68% |
| ASSUREDPARTNERS3 | 4500 TOWN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | HUMANA HEALTH PLANS, INC. | $10K | $0 | $10K | 1.32% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HUMANA HEALTH PLANS, INC. | — | $4K | $4K | 0.48% |
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | THE DENTAL CONCERN, INC. | $3K | $0 | $3K | 4.52% |
| ASSUREDPARTNERS3 | 4500 TOWN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | THE DENTAL CONCERN, INC. | $1K | $0 | $1K | 1.65% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE DENTAL CONCERN, INC. | — | $248 | $248 | 0.41% |
| CHRISTINA A WEYLS3 Filed as: CHRISTINA A. WEYLS | 422 JACK TURNER WAY LANCASTER, KY 40444 | AFLAC | $6K | $558 | $7K | 13.46% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD ROAD PIKEVILLE, KY 41501 | AFLAC | $1K | $112 | $2K | 3.16% |
| MJ INSURANCE3 Filed as: PAULA C. FRIZZELL & VARIOUS AGENTS | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $557 | $0 | $557 | 1.11% |
| DALE I DAVIS3 Filed as: DALE I. DAVIS | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $441 | $109 | $550 | 1.10% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PLACE, SUITE 26 LEXINGTON, KY 40515 | AFLAC | $509 | $2 | $511 | 1.02% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RIDGE COLD SPRING, KY 41076 | AFLAC | $334 | $0 | $334 | 0.67% |
| BRIAN S MARTIN3 Filed as: BRIAN S. MARTIN | 3280 BLAZER PARKWAY, SUITE 201 LEXINGTON, KY 40509 | AFLAC | $304 | $0 | $304 | 0.61% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLANS, INC. | 116 | $764K |
| Dental | THE DENTAL CONCERN, INC. | 120 | $61K |
| Vision | THE DENTAL CONCERN, INC. | 120 | $61K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $44K |
| Prescription drug | HUMANA HEALTH PLANS, INC. | 116 | $764K |
| Other(2 contracts, 2 carriers) | AFLAC | 138 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.