| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 435 N WHITTINGTON PKWY STE 300 LOUISVILLE, KY 40222 | RELIASTAR LIFE INSURANCE COMPANY | $494K | — | $494K | 15.04% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $136K | — | $136K | 4.13% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $21K | $21K | 0.62% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 N WHITTINGTON PKWY LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $7K | — | $7K | 0.66% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $23K | — | $23K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | ARAG SERVICES, LLC | $10K | — | $10K | 10.00% |
| BENE RE LLC5 | 3150 N. REPUBLIC BLVD STE 1 TOLEDO, OH 43615 | ARAG SERVICES, LLC | — | $5K | $5K | 5.00% |
| ASSUREDPARTNERS3 | 435 N WITTINGTON PKWY LOUISVILLE, KY 40222 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $19K | — | $19K | 20.65% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 N WHITTINGTON PKWY LOUISVILLE, KY 40222 | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | — | $11K | 25.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL, INC. | 15200 OMEGA DR. SUITE 100 ROCKVILLE, MD 20850 | FOUR EVER LIFE INS. CO. | $880 | $59 | $939 | 16.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASPIRANT INC. TPA MEDICAL PLAN | Contract Administrator; Claims processing Service code 12 | 500 NORTH HURSTBOURNE PKWY SUITE 100 LOUISVILLE, KY 40222 | $1.2M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 RX ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $183K |
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 | 2,417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 88 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 4,985 | $1.0M |
| Vision | DELTA DENTAL OF KENTUCKY | 4,731 | $232K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,417 | $3.3M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,417 | $3.3M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,417 | $3.3M |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,417 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,985 | — |
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.