| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62827 VIRGINIA BEACH, VA 23466 | HUMANA HEALTH PLAN, INC. | $20K | $1K | $21K | 2.42% |
| STARLENA A ROBBINS3 Filed as: STARLENA A. ROBBINS | PO BOX 1007 LONDON, KY 40743 | HUMANA HEALTH PLAN, INC. | $15K | $0 | $15K | 1.75% |
| MCQUEEN ASSOCIATES3 | UNKNOWN LONDON, KY 40741 | MONY LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 13.26% |
| LINDSEY HOSKINS3 | 912 HAMMOCK OAK LANE LEXINGTON, KY 40515 | AFLAC | $2K | $144 | $3K | 5.27% |
| T.A. MORRIS ASSOC AND OTHER AGENTS3 | 2322 PATCHEN WILKES DRIVE LEXINGTON, KY 40509 | AFLAC | $2K | $0 | $2K | 3.18% |
| CURTIS SCHWARTZ3 Filed as: CURTIS SCHWARTZ INC | 4020 GRINDSTONE COURT RICHMOND, KY 40475 | AFLAC | $1K | $276 | $2K | 3.16% |
| LINDSEY HOSKINS3 | 782 VERMILLION PEAK PASS LEXINGTON, KY 40515 | AFLAC | $1K | $50 | $1K | 2.74% |
| VICTORIA KENLEY3 | 9175 FORKLAND ROAD JUNCTION CITY, KY 40440 | AFLAC | $997 | $19 | $1K | 2.03% |
| LAURA BETH KELLER3 | 2220 EXECUTIVE DRIVE, SUITE 204 LEXINGTON, KY 40505 | AFLAC | $906 | $90 | $996 | 1.99% |
| CURTIS SCHWARTZ3 | 2250 THUNDERSTICK DRIVE, SUITE 1104 LEXINGTON, KY 40505 | AFLAC | $843 | $52 | $895 | 1.79% |
| STAR ROBBINS3 Filed as: STAR ROBBINS AND COMPANY | PO BOX 1007 LONDON, KY 40743 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.32% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.01% |
| STAR ROBBINS3 | PO BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 38.56% |
| ROBERT W. PATTON3 | PO BOX 1007 LONDON, KY 40741 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62827 VIRGINIA BEACH, VA 23466 | THE DENTAL CONCERN, INC. | $566 | $0 | $566 | 5.58% |
| STARLENA A ROBBINS3 Filed as: STARLENA A. ROBBINS | PO BOX 1007 LONDON, KY 40743 | THE DENTAL CONCERN, INC. | $451 | $0 | $451 | 4.44% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 112 | $879K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $39K |
| Vision | THE DENTAL CONCERN, INC. | 92 | $10K |
| Life insurance(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 221 | $79K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 221 | $50K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 221 | $50K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 112 | $879K |
| Other(3 contracts, 3 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 221 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.