| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | SUITE 300 LOUISVILLE, KY 40222 | AMERICAN UNITED LIFE INSURANCE COMPANY | $27K | $3K | $29K | 11.94% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | THE DENTAL CONCERN, INC. | $20K | $1K | $21K | 9.97% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 6.44% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $459 | — | $459 | 0.26% |
| BRIAN GRAHAM INC3 Filed as: BRIAN GRAHAM, INC. | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | CONTINENTAL AMERICAN INSURANCE COMPANY | $260 | — | $260 | 0.15% |
| NJN LLC3 Filed as: NJN, LLC | 239 FRANCK AVENUE LOUISVILLE, KY 40206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.01% |
| RONNIE LEE JANES JR3 | 5006 MIDDLESEX DRIVE LOUISVILLE, KY 40245 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| SETH O O AKERS3 | 487 NORMANDY STATION ROAD TAYLORSVILLE, KY 40071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SETH O AKERS3 Filed as: SETH O. AKERS | 487 NORMANDY STATION ROAD TAYLORSVILLE, KY 40071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARC S. OSCHERWITZ3 | 12414 GOLDEN OAK CIRCLE HUDSON, FL 34669 | AFLAC | $19 | — | $19 | 3.22% |
| MICHAEL J QUINN3 Filed as: MICHAEL J. QUINN & OTHER AGENTS | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $15 | $0 | $15 | 2.54% |
| GINA M. GEIGER3 | PO BOX 1542 MIAMISBURG, OH 45343 | AFLAC | $6 | — | $6 | 1.02% |
| JERRY PERRY RUBIN3 | 69 MUIRFIELD DRIVE BLUFFTON, SC 29909 | AFLAC | $5 | — | $5 | 0.85% |
| ALEXANDER A ARTMAN3 Filed as: ALEXANDER A. ARTMAN | 102 POINTE VIEW DRIVE MARS, PA 16046 | AFLAC | $3 | — | $3 | 0.51% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MICHAEL N. RUTHERFORD | 837 DEERHURST DRIVE VANDALIA, OH 45377 | AFLAC | $2 | $0 | $2 | 0.34% |
| PENNY D. PROFITT3 | 1400 MEADOW WOODS COURT WAYNESVILLE, OH 45068 | AFLAC | $2 | $0 | $2 | 0.34% |
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 | 501 | 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) | 501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL CONCERN, INC. | 287 | $210K |
| Vision | THE DENTAL CONCERN, INC. | 287 | $210K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 498 | $247K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 498 | $247K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 498 | $247K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 498 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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.