| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $35K | $26K | $60K | 17.07% |
| USI INSURANCE SERVICES LLC3 | 29A TECHNOLOGY DRIVE #100 IRVINE, CA 92618 | DELTA DENTAL OF KENTUCKY | $16K | — | $16K | 5.49% |
| USI INSURANCE SERVICES LLC3 | 555 PLEASANTVILLE ROAD SUITE 160 SOUTH BRIARCLIFF MANOR, NY 10510 | DELTA DENTAL OF KENTUCKY | $8K | — | $8K | 2.69% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | ATTN JAMIE GRIGSBY, ACCTG. MGR LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 0.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY CANADA | $18K | $10K | $28K | 22.86% |
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LANE SUITE 50 LOUISVILLE, KY 40207 | THE DENTAL CONCERN, INC. | $2K | — | $2K | 1.71% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC | PO BOX 211486 COLUMBIA, SC 29221 | THE DENTAL CONCERN, INC. | $1K | — | $1K | 1.08% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE DENTAL CONCERN, INC. | $267 | — | $267 | 0.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USI INSURANCE SERVICES LLC ASO MEDICAL | Claims processing; Contract Administrator Service code 12 | 950 BRECKENRIDGE LANE LOUISVILLE, KY 40207 | $109K |
| THE BENEFIT COMPANY, INC. ASO MEDICAL | Contract Administrator; Claims processing Service code 12 | PO BOX 211486 COLUMBIA, SC 29221 | $49K |
| ASSUREDPARTNERS NL, LLC ASO MEDICAL | Contract Administrator; Claims processing Service code 12 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | $33K |
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 | 1,233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 286 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,211 | $293K |
| Vision | THE DENTAL CONCERN, INC. | 952 | $97K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,720 | $354K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,720 | $354K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,720 | $354K |
| Other | SUN LIFE ASSURANCE COMPANY CANADA | 232 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,720 | — |
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.