| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDLINK INC3 Filed as: MEDLINK, INC. | PO BOX 23570 LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 10.23% |
| JAMES P BARTA3 Filed as: JAMES P. BARTA | 7980 NEW LAGRANGE ROAD, SUITE 3 LOUISVILLE, KY 40222 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 8.50% |
| MEDLINK INC3 Filed as: MEDLINK, INC. | PO BOX 203570 LOUISVILLE, KY 40223 | KANAWHA INSURANCE COMPANY | $882 | — | $882 | 6.25% |
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 | 66 | 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) | 66 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 116 | $25K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 84 | $7K |
| Life insurance | KANAWHA INSURANCE COMPANY | 42 | $14K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 42 | $14K |
| Long-term disability | KANAWHA INSURANCE COMPANY | 42 | $14K |
| Other | KANAWHA INSURANCE COMPANY | 42 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.