| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | HUMANA HEALTH PLAN, INC. | $21K | $0 | $21K | 2.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KY INC | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $14K | $500 | $15K | 1.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KY INC | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $163 | $4K | 5.12% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS N1 LLC | SUITE 300 LOUISVILLE, KY 40222 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KY INC | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | $2K | $212 | $2K | 4.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | THE DENTAL CONCERN, INC. | $2K | $0 | $2K | 3.49% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 96 | $875K |
| Dental | THE DENTAL CONCERN, INC. | 94 | $47K |
| Vision | THE DENTAL CONCERN, INC. | 94 | $47K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 114 | $81K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 114 | $81K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 114 | $81K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 114 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
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.