| 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. | $53K | — | $53K | 3.98% |
| INSURAMAX INC3 Filed as: INSURAMAX INC. | 2200 GREENE WAY LOUISVILLE, KY 40220 | AMERICAN UNITED LIFE INSURANCE COMPANY DBA ONEAMERICA | $59K | $3K | $62K | 10.31% |
| INSURAMAX INC3 Filed as: INSURAMAX INC. | 2200 GREENE WAY LOUISVILLE, KY 40220 | DELTA DENTAL OF KENTUCKY | $18K | — | $18K | 8.67% |
| INSURAMAX INC3 Filed as: INSURAMAX INC. | 2200 GREENE WAY LOUISVILLE, KY 40220 | THE DENTAL CONCERN INC. | $2K | $1K | $3K | 3.78% |
| INSURAMAX INC3 Filed as: INSURAMAX INC. | 2200 GREENE WAY LOUISVILLE, KY 40220 | KANAWHA INSURANCE COMPANY | $13K | — | $13K | 18.84% |
| JAMES P BARTA3 Filed as: JAMES BARTA | 7502 MARIA AVE LOUISVILLE, KY 40222 | KANAWHA INSURANCE COMPANY | $8K | — | $8K | 12.13% |
| INSURAMAX INC3 Filed as: INSURAMAX INC. | 2200 GREEN WAY LOUISVILLE, KY 40220 | EYE MED VISION CARE COMPANY | $3K | — | $3K | 10.00% |
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 | 772 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 797 | $1.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KENTUCKY | 1,456 | $288K |
| Vision(2 contracts, 2 carriers) | THE DENTAL CONCERN INC. | 977 | $109K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY DBA ONEAMERICA | 901 | $602K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY DBA ONEAMERICA | 901 | $602K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY DBA ONEAMERICA | 901 | $602K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY DBA ONEAMERICA | 901 | $672K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,456 | — |
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.