| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LANE, SUITE 50 LOUISVILLE, KY 40207 | HUMANA HEALTH PLAN, INC. | $39K | $0 | $39K | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS, INC. | PO BOX 9465 NEW YORK, NY 10087 | HUMANA HEALTH PLAN, INC. | $31K | $0 | $31K | 1.10% |
| USI INSURANCE SERVICES LLC3 | 555 PLEASANTVILLE ROAD SUITE 160 SOUTH BRIARCLIFF MANOR, NY 10510 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 2.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS, INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | DELTA DENTAL OF KENTUCKY | $2K | $0 | $2K | 2.29% |
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LANE, SUITE 50 LOUISVILLE, KY 40207 | THE DENTAL CONCERN, INC. | $829 | $0 | $829 | 2.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS, INC. | PO BOX 9465 NEW YORK, NY 10087 | THE DENTAL CONCERN, INC. | $692 | $0 | $692 | 2.27% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 225 | $2.9M |
| Dental | DELTA DENTAL OF KENTUCKY | 447 | $98K |
| Vision | THE DENTAL CONCERN, INC. | 216 | $31K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $253K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $253K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $253K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 225 | $2.9M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $253K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.