| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | GUARDIAN | $9K | $0 | $9K | 6.44% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AMERICAN HERITAGE INSURANCE COMPANY | $655 | $0 | $655 | 2.41% |
| WILLIAM E MOLONEY3 | 4170 BRIDGEWATER WAY APT 105 LEXINGTON, KY 40509 | AMERICAN HERITAGE INSURANCE COMPANY | $413 | $0 | $413 | 1.52% |
| J.W. TERRILL3 Filed as: TERRILL D WILLIAMS | 2465 NICHOLASVILLE ROAD STE A LEXINGTON, KY 40503 | AMERICAN HERITAGE INSURANCE COMPANY | $247 | $0 | $247 | 0.91% |
| LEE W KEMP3 | 3217 MIST LAKE CT LEXINGTON, KY 40515 | AMERICAN HERITAGE INSURANCE COMPANY | $150 | $0 | $150 | 0.55% |
| ENROLLEASE3 Filed as: MELISSA CLARKE KEMP | 3217 MIST LAKE COURT LEXINGTON, KY 40515 | AMERICAN HERITAGE INSURANCE COMPANY | $148 | $0 | $148 | 0.55% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE INSURANCE COMPANY | 76 | $27K |
| Dental | GUARDIAN | 133 | $137K |
| Vision | GUARDIAN | 133 | $137K |
| Life insurance | GUARDIAN | 133 | $137K |
| Short-term disability | GUARDIAN | 133 | $137K |
| Long-term disability | GUARDIAN | 133 | $137K |
| Other | GUARDIAN | 133 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.