| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 205 RIVER ROAD LOUISVILLE, KY 40206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 10.84% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.67% |
| DAVID LUURTSEMA3 | 326 OLD CARDINAL DRIVE ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.42% |
| ASSUREDPARTNERS3 | 205 RIVER ROAD LOUISVILLE, KY 40206 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $3K | $11K | 16.66% |
| ASSUREDPARTNERS3 | 205 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL INSURANCE COMPANY | $4K | $0 | $4K | 10.08% |
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 | 314 | 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) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 122 | $39K |
| Vision | DELTA DENTAL INSURANCE COMPANY | 122 | $39K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 346 | $65K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 346 | $65K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 346 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.