| 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 | $63K | — | $63K | 3.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HUMANA HEALTH PLAN, INC | $0 | $11K | $11K | 0.71% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INS AGENCY INC | 1925 FREDERICA STREET OWENSBORO, KY 42301 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 12.47% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.55% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.02% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE DENTAL CONCERN | $0 | $6K | $6K | 4.76% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INS. AGENCY INC | 1925 FREDERICA STREET OWENSBORO, KY 42301 | THE DENTAL CONCERN | $6K | $0 | $6K | 4.45% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 8.76% |
| NJN LLC3 | 137 WEISSER AVENUE LOUISVILLE, KY 40206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.57% |
| DAVID WATSON3 | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | $0 | $73 | 0.30% |
| RONNIE LEE JANES JR3 Filed as: RONNIE L. JAMES | 105 DAVENTRY LANE, SUITE 100 LOUISVILLE, KY 40223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | $0 | $73 | 0.30% |
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 | 141 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 242 | $1.6M |
| Dental | THE DENTAL CONCERN | 261 | $124K |
| Vision | THE DENTAL CONCERN | 261 | $124K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 492 | $130K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 492 | $130K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 492 | $130K |
| Prescription drug | HUMANA HEALTH PLAN, INC | 242 | $1.6M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 492 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.