| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED NL INS AGENCY INC | 1925 FREDERICA STREET OWENSBORO, KY 42301 | HUMANA HEALTH PLAN, INC | $30K | $0 | $30K | 2.47% |
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO ROAD LOUISVILLE, KY 40207 | HUMANA HEALTH PLAN, INC | $18K | $4K | $23K | 1.84% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HUMANA HEALTH PLAN, INC | $0 | $2K | $2K | 0.17% |
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO ROAD LOUISVILLE, KY 40207 | THE DENTAL CONCERN | $3K | $1K | $4K | 4.23% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INS AGENCY INC | 1925 FREDERICA STREET OWENSBORO, KY 42301 | THE DENTAL CONCERN | $2K | $0 | $2K | 2.28% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE DENTAL CONCERN | $0 | $1K | $1K | 1.61% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INS AGENCY INC | 1925 FREDERICA STREET OWENSBORO, KY 42301 | HUMANA INSURANCE COMPANY OF KENTUCKY | $3K | $0 | $3K | 8.01% |
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO ROAD LOUISVILLE, KY 40207 | HUMANA INSURANCE COMPANY OF KENTUCKY | $2K | $329 | $2K | 6.12% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HUMANA INSURANCE COMPANY OF KENTUCKY | $0 | $596 | $596 | 1.67% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 199 | $1.2M |
| Dental | THE DENTAL CONCERN | 217 | $88K |
| Vision | THE DENTAL CONCERN | 217 | $88K |
| Life insurance | HUMANA INSURANCE COMPANY OF KENTUCKY | 259 | $36K |
| Prescription drug | HUMANA HEALTH PLAN, INC | 199 | $1.2M |
| Other | HUMANA INSURANCE COMPANY OF KENTUCKY | 259 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.