| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LANE, SUITE 50 LOUISVILLE, KY 40207 | HUMANA HEALTH PLAN, INC. | $34K | $2K | $36K | 4.24% |
| CRYSTAL MESSER-MCQUEEN ASSOCIATES3 Filed as: CRYSTAL MESSER-MCQUEEN & ASSOCIATES | 1374 HIGHWAY 192 EAST, SUITE 200 LONDON, KY 40741 | MONY LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 11.49% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $4K | 10.81% |
| LINDSEY HOSKINS3 | 912 HAMMOCK OAK LANE LEXINGTON, KY 40515 | AFLAC | $700 | $93 | $793 | 3.46% |
| CURTIS SCHWARTZ3 | 599 CHESTNUT STREET BEREA, KY 40403 | AFLAC | $584 | $0 | $584 | 2.55% |
| MJ INSURANCE3 Filed as: RALPH E. HOPKINS AND VARIOUS AGENTS | PO BOX 606 GEORGETOWN, KY 40324 | AFLAC | $526 | $0 | $526 | 2.29% |
| THOMAS A MORRIS AND ASSOC INC3 Filed as: THOMAS A. MORRIS AND ASSOC., INC. | 2322 PATCHEN WILKES DRIVE LEXINGTON, KY 40509 | AFLAC | $239 | $0 | $239 | 1.04% |
| LAURA BETH KELLER3 | 2220 EXECUTIVE DRIVE, SUITE 204 LEXINGTON, KY 40505 | AFLAC | $200 | $19 | $219 | 0.96% |
| VICTORIA KENLEY3 | 9175 FORKLAND ROAD JUNCTION CITY, KY 40440 | AFLAC | $152 | $19 | $171 | 0.75% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE K. KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $118 | $0 | $118 | 0.51% |
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LANE, SUITE 50 LOUISVILLE, KY 40207 | THE DENTAL CONCERN, INC. | $1K | $47 | $1K | 10.44% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 125 | $839K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $42K |
| Vision | THE DENTAL CONCERN, INC. | 112 | $11K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 175 | $42K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 175 | $42K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 175 | $42K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 125 | $839K |
| Other(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 175 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.