| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY | $31K | $2K | $33K | 6.23% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION ROAD STE 200 LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY | $24K | $2K | $26K | 4.86% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 8.90% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 3.01% |
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 | 290 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 261 | $533K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 290 | $320K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 290 | $320K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 290 | $320K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 290 | $320K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 290 | $320K |
| Stop-loss / reinsurancereinsurance | HUMANA INSURANCE COMPANY | 261 | $533K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 290 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.