| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENBANC INSURANCE INC Filed as: KENBANC INSURANCE, INC. | 600 W MAIN ST LOUISVILLE, KY 40202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 19.97% |
| KBA BENEFIT SOLUTIONS Filed as: KBA BENEFIT SOLUTIONS, LLC | 600 W MAIN ST LOUISVILLE, KY 40202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | $897 | — | $897 | 5.00% |
| LIFETIME FINANCIAL GROWTH CO O Filed as: LIFETIME FIN GRWTH CO OF OHIO | 244 BLVD OF THE ALLIES PITTSBURGH, OH 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | $16 | — | $16 | 0.09% |
| GREEN & HALLIBURTON INC Filed as: GREEN & ASSOCIATES | 521 BARRET AVE LOUISVILLE, KY 40204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.43% |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 37 | $14K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | 100 | $18K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $93K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $93K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.