| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $26K | $4K | $31K | 20.42% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | THE DENTAL CONCERNS, INC | $1K | $223 | $1K | 2.96% |
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 40220 | THE DENTAL CONCERNS, INC | $5 | — | $5 | 0.01% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION ROAD #200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $477K | $318 | $477K | 1500.99% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION ROAD #200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $192 | $3K | 16.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS | 1900 PLANTSIDE DRIVE SUITE 200 LOUISVILLE, KY 40299 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.60% |
| INSURAMA INC3 | PO BOX 20829 LOUISVILLE, KY 46250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $463 | — | $463 | 3.03% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION ROAD #200 LOUSIVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $140 | $2K | 11.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION ROAD #200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSUANCE COMPANY | $525 | $52 | $577 | 11.00% |
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 | 345 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL CONCERNS, INC | 0 | $43K |
| Vision | THE DENTAL CONCERNS, INC | 0 | $43K |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 343 | $40K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $47K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $29K |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN, INC | 249 | $150K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 343 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.