| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $11K | $0 | $11K | 13.55% |
| MJ INSURANCE3 Filed as: MARK GALVIN LLC AND VARIOUS AGENTS | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $4K | $1K | $5K | 6.31% |
| DAVID LUURTSEMA3 | 308 ROSEDALE DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $4K | $535 | $4K | 5.58% |
| BRIAN GRAHAM INC3 Filed as: BRIAN GRAHAM | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | AFLAC | $3K | $335 | $3K | 4.10% |
| AMY JOHANNEMANN3 | PO BOX 22806 LOUISVILLE, KY 40252 | AFLAC | $649 | $183 | $832 | 1.04% |
| TODD ALLEN3 | 6156 CHERRY HILL COURT LOUISVILLE, KY 40229 | AFLAC | $762 | $0 | $762 | 0.96% |
| MIGUEL ROMAN3 | 129 LA FONTENAY DRIVE LOUISVILLE, KY 40252 | AFLAC | $672 | $13 | $685 | 0.86% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 9.95% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $853 | $2K | 15.43% |
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 | 102 | 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) | 102 | 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 | 102 | $14K |
| Life insurance | AFLAC | 187 | $80K |
| Short-term disability | AFLAC | 187 | $80K |
| Other | AFLAC | 187 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.