| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES P BARTA3 Filed as: JAMES P. BARTA | 7980 NEW LAGRANGE ROAD, SUITE 3 LOUISVILLE, KY 40222 | KANAWHA INSURANCE COMPANY | $4K | — | $4K | 14.15% |
| MEDLINK INC3 Filed as: MEDLINK, INC. | PO BOX 23570 LOUISVILLE, KY 40223 | KANAWHA INSURANCE COMPANY | $2K | $247 | $2K | 7.23% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 9.19% |
| MEDLINK INC3 Filed as: MEDLINK, INC. | PO BOX 23570 LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $194 | — | $194 | 0.75% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $535 | $201 | $736 | 6.61% |
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $476 | — | $476 | 4.28% |
| THE KLEINER GROUP, LLC3 | 2020 HIGH WICKHAM PLACE, SUITE 201 LOUISVILLE, KY 40245 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $98 | — | $98 | 0.88% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH COMPANY | 419 PLUM STREET CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.09% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 144 | $26K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $11K |
| Life insurance | KANAWHA INSURANCE COMPANY | 55 | $31K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 55 | $31K |
| Other | KANAWHA INSURANCE COMPANY | 55 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.