| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREPARTNERS NL LLC | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | SYMETRA LIFE INSURANCE COMPANY | $300K | $77K | $377K | 16.02% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $7K | — | $7K | 0.72% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | RELIASTAR LIFE INSURANCE COMPANY | $117K | $17K | $134K | 31.07% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 2.07% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $22K | — | $22K | 9.18% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC. | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | SYMETRA LIFE INSURANCE COMPANY | $2K | $7K | $9K | 4.37% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 2443 SIR BARTON WAY 400 LEXINGTON, KY 40509 | AMERICAN UNITED LIFE INSURANCE COMPANY | $15K | — | $15K | 27.12% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR #4500 HUNT VALLEY, MD 21031 | FOUR EVER LIFE INS. CO. | $880 | $59 | $939 | 16.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASPIRANT INC. TPA MEDICAL PLAN | Claims processing; Contract Administrator Service code 12 | 500 NORTH HURSTBOURNE PKWY SUITE 100 LOUISVILLE, KY 40222 | $855K |
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 | 3,420 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 336 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS. CO. | 3,420 | $6K |
| Dental | DELTA DENTAL OF KENTUCKY | 5,354 | $925K |
| Vision | DELTA DENTAL OF KENTUCKY | 5,051 | $240K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,420 | $2.4M |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,420 | $2.4M |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,420 | $2.4M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,495 | $210K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,420 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,354 | — |
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.