| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $0 | $8K | 12.29% |
| JAMIE GRIGSBY3 | UNKNOWN LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $2K | $0 | $2K | 6.67% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $1K | $0 | $1K | 3.26% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| THE ELAN G. AP BENEFIT ADVISORS3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.90% |
| DAVID LUURTSEMA3 Filed as: DAVID R. LUURTSEMA | 308 ROSEDALE DRIVE ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $830 | — | $830 | 2.64% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $212 | — | $212 | 0.68% |
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 | 312 | 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) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 106 | $34K |
| Vision | DELTA DENTAL OF KENTUCKY | 106 | $34K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 315 | $64K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 315 | $64K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 315 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.