| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1511 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM BLUE CROSS/BLUE SHIELD | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: SILVERSTONE GROUP INC | 11516 MIRACLOE HILLS DRIVE OMAHA, NE 68154 | AETNA | $18K | — | $18K | 0.61% |
| USI INSURANCE SERVICES LLC4 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNIMERICA INSURANCE COMPANY | $69K | — | $69K | 24.96% |
| MARSH & MCLENNAN AGENCY LLC Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR. OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 17.86% |
| WILLIAMS DERAS & ASSOCIATES3 | 10040 REGENCY CIRCLE OMAHA, NE 68114 | RELIANCE STANDARD | — | — | $0 | — |
| HOLMES MURPHY & ASSOCIATES3 | 13810 FNB PKWY OMAHA, NE 68154 | RELIANCE STANDARD | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 31-1558779 CONTRACT ADMIN/CONSULTING | Consulting (general); Claims processing; Contract Administrator Service code 12 | 333 WEST VINE STREET LEXINGTON, KY 40507 | $862K |
| CENTRAL BANK & TRUST COMPANY INVESTMENT MANAGER | Custodial (securities); Investment management Service code 19 | 300 W VINE STREET LEXINGTON, KY 40507 | $31K |
| PNC INSTITUTIONAL INVESTMENTS EIN 25-1211909 INVESTMENT MANAGER | Custodial (securities); Investment management Service code 19 | 1900 E. 9TH STREET CLEVELAND, OH 44114 | $17K |
| FRANK N HESTAND CPA PSC EIN 61-1336870 AUDITOR | Accounting (including auditing) Service code 10 | 261 REGENCY CIRCLE LEXINGTON, KY 40503 | $16K |
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 | 1,943 | 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) | 1,943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS/BLUE SHIELD | 775 | $7.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KENTUCKY | 1,111 | $0 |
| Vision | VISION SERVICE PLAN | 113 | $17K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 492 | $4.7M |
| Short-term disability | BLUE CROSS BLUE SHIELD OF NEBRASKA | 466 | $4.6M |
| Long-term disability | BLUE CROSS BLUE SHIELD OF NEBRASKA | 466 | $4.6M |
| Stop-loss / reinsurancereinsurance(3 contracts, 3 carriers) | TOKIO MARINE | 430 | $738K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,111 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.