| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | ATTN MATTHEW FUQUA LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $38K | — | $38K | 9.30% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 435 N WHITTINGTON PKWY STE 300 LOUISVILLE, KY 40222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $45K | — | $45K | 11.28% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $79K | — | $79K | 63.22% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 N. WHITTINGTON PKWY SUITE 300 LOUISVILLE, KY 402224184 | THE DENTAL CONCERN, INC. | $3K | — | $3K | 3.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $364K |
| ASSURED PARTNERS NL, LLC EIN 45-2712475 BROKER | Other commissions Service code 55 | — | $72K |
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 | 3,751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,757 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 509 | $279K |
| Dental | DELTA DENTAL OF KENTUCKY | 1,713 | $407K |
| Vision | THE DENTAL CONCERN, INC. | 1,112 | $88K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,751 | $395K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,751 | $395K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,751 | $395K |
| Other | BANKERS FIDELITY LIFE INSURANCE COMPANY | 306 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,751 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.