| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | AFLAC | $15K | $0 | $15K | 25.30% |
| MJ INSURANCE3 Filed as: AMY JOHANNEMANN AND VARIOUS AGENTS | PO BOX 22806 LOUISVILLE, KY 40252 | AFLAC | $5K | $20 | $5K | 8.05% |
| BRIAN GRAHAM INC3 Filed as: BRIAN GRAHAM, INC. | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | AFLAC | $3K | $219 | $3K | 5.25% |
| DAVID LUURTSEMA3 | 308 ROSEDALE DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $3K | $79 | $3K | 4.78% |
| PENNY HICKERSON3 | 12304 MEADOW LANE LOUISVILLE, KY 40243 | AFLAC | $2K | $15 | $2K | 3.07% |
| MIGUEL ROMAN3 | 6136 OVERHILL DRIVE LOUISVILLE, KY 40229 | AFLAC | $2K | $12 | $2K | 2.80% |
| BRIAN GRAHAM INC3 Filed as: BRIAN M. GRAHAM | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | AFLAC | $1K | $0 | $1K | 2.30% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 10.02% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $729 | $2K | 15.34% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 137 | $27K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $13K |
| Life insurance | AFLAC | 186 | $59K |
| Short-term disability | AFLAC | 186 | $59K |
| Other | AFLAC | 186 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.