| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURAMAX INC3 Filed as: INSURAMAX INC. | 2200 GREENE WAY LOUISVILLE, KY 40220 | HUMANA HEALTH PLAN, INC. | $114K | $2K | $115K | 4.03% |
| INSURAMAX INC3 Filed as: INSURAMAX INC. | 2200 GREENE WAY LOUISVILLE, KY 40220 | AMERICAN UNITED LIFE INSURANCE COMPANY DBA ONEAMERICA | $31K | $9K | $40K | 13.07% |
| INSURAMAX INC3 Filed as: INSURAMAX INC. | 2200 GREENE WAY LOUISVILLE, KY 40220 | THE DENTAL CONCERN INC. | $7K | $692 | $8K | 4.56% |
| INSURAMAX INC3 Filed as: INSURAMAX INC. | 2200 GREENE WAY LOUISVILLE, KY 40220 | KANAWHA INSURANCE COMPANY | $16K | $212 | $17K | 34.56% |
| JAMES P BARTA3 Filed as: JAMES BARTA | 7502 MARIA AVE LOUISVILLE, KY 40222 | KANAWHA INSURANCE COMPANY | $17K | — | $17K | 34.50% |
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 | 400 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 400 | $2.9M |
| Dental | THE DENTAL CONCERN INC. | 400 | $174K |
| Vision | THE DENTAL CONCERN INC. | 400 | $174K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY DBA ONEAMERICA | 447 | $306K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY DBA ONEAMERICA | 447 | $306K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY DBA ONEAMERICA | 447 | $306K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY DBA ONEAMERICA | 447 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.