| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | SUN LIFE ASSURANCE COMPANY OF CANADA | $42K | — | $42K | 10.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $25K | $29K | 7.44% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | ATTN JAMIE GRIGSBY, ACCTG. MGR LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $32K | — | $32K | 9.94% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | SUN LIFE ASSURANCE COMPANY CANADA | $16K | — | $16K | 15.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY CANADA | — | $10K | $10K | 9.32% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE DENTAL CONCERN, INC. | $3K | $5K | $8K | 8.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSURED PARTNERS NL, LLC ASO MEDICAL | Claims processing; Contract Administrator Service code 12 | 20305 RIVER RD LOUISVILLE, KY 40207 | $132K |
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 | 1,316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 121 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,316 | $320K |
| Vision | THE DENTAL CONCERN, INC. | 969 | $97K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,868 | $384K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,868 | $384K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,868 | $384K |
| Other | SUN LIFE ASSURANCE COMPANY CANADA | 239 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,868 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.