| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT WAREHOUSE3 Filed as: THE BENEFIT WAREHOUSE PLC | 714 LYNDON PLACE, STE 12 LOUISVILLE, KY 40222 | COMPANION LIFE | $3K | — | $3K | 12.58% |
| PLANCHOICE INC3 Filed as: PLANCHOICE, INC. | 13257 OBANNON STATION WAY LOUISVILLE, KY 40223 | COMPANION LIFE | $2K | — | $2K | 6.82% |
| ASSURED NL INS SVCS INC.3 Filed as: ASSURED NI INSURANCE AGENCY | 4500 TOWN CENTER BLVD JEFFERSONVILLE, IN 47130 | COMPANION LIFE | $171 | — | $171 | 0.74% |
| ARISON INSURANCE SERVICES, INC.3 Filed as: ARISON INSURANCE SERVICES. INC. | 2305 RIVER RD LOUISVILLE, KY 40206 | COMPANION LIFE | $76 | — | $76 | 0.33% |
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 | 196 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COMPANION LIFE | 196 | $23K |
| Short-term disability | COMPANION LIFE | 196 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.