| 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 | $334K | $61K | $395K | 15.07% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $7K | — | $7K | 0.69% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | RELIASTAR LIFE INSURANCE COMPANY | $86K | $17K | $103K | 24.71% |
| 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 | 2.10% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $22K | — | $22K | 9.91% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | ARAG INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| 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 | $1.1M |
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 | 3,086 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 55 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 5,084 | $993K |
| Vision | DELTA DENTAL OF KENTUCKY | 4,820 | $221K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 3,086 | $2.6M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,086 | $2.6M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,086 | $2.6M |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,086 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,084 | — |
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.