| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 418 E TYLER STE B HARLINGEN, TX 78550 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 418 E TYLER STE B HARLINGEN, TX 78550 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 418 E TYLER STE B HARLINGEN, TX 78550 | STANDARD INSURANCE COMPANY | $696 | — | $696 | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | STANDARD INSURANCE COMPANY | $630 | — | $630 | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 418 E TYLER STE B HARLINGEN, TX 78550 | STANDARD INSURANCE COMPANY | $577 | — | $577 | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | STANDARD INSURANCE COMPANY | $262 | — | $262 | 0.41% |
| LEONARD L CAVENDER3 Filed as: LEONARD CAVENDER | 19172 SCOFIELD FARMS BLVD1 WESTFIELD, IN 46062 | STANDARD INSURANCE COMPANY | $122 | — | $122 | 0.19% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP GRUNDY | 104 NORTH CENTRAL AVE SOMERSET, KY 42501 | STANDARD INSURANCE COMPANY | $122 | — | $122 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF KENTUCKY | $156 | — | $156 | 0.52% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 134 | $30K |
| Vision | STANDARD INSURANCE COMPANY | 123 | $64K |
| Life insurance | STANDARD INSURANCE COMPANY | 123 | $64K |
| Short-term disability | STANDARD INSURANCE COMPANY | 123 | $64K |
| Long-term disability | STANDARD INSURANCE COMPANY | 123 | $64K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KY, INC. (G1700) | 101 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.