| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BYRNE INSURANCE GROUP3 | 9401 WILLIAMSBURG PLZ SUITE 100 LOUISVILLE, KY 40223 | STANDARD LIFE AND ACCIDENT INSURANCE CO | $13K | $0 | $13K | 9.24% |
| AUXIANT3 | 3002 PERRY STREET MADISON, WI 53713 | STANDARD LIFE AND ACCIDENT INSURANCE CO | $2K | $0 | $2K | 1.39% |
| BYRNE INSURANCE GROUP3 | 9401 WILLIAMSBURG PLZ SUITE 100 LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY | $729 | $51 | $780 | 6.60% |
| BYRNE INSURANCE GROUP3 | 9401 WILLIAMSBURG PLZ SUITE 100 LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| BYRNE INSURANCE GROUP3 | 9401 WILLIAMSBURG PLZ SUITE 100 LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY | $231 | $35 | $266 | 6.67% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 34 | $12K |
| Vision | STANDARD INSURANCE COMPANY | 35 | $4K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 102 | $6K |
| Stop-loss / reinsurancereinsurance | STANDARD LIFE AND ACCIDENT INSURANCE CO | 32 | $136K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 102 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.