| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 1925 FREDERICA STREET OWENSBORO, KY 42301 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 11.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS INSURANCE | 2305 RIVER ROAD LOUISVILLE, KY 40206 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.85% |
| AP BENEFIT ADVISOR3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21034 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $123 | $123 | 0.07% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 1925 FREDERICA STREET OWENBORO, KY 42301 | THE DENTAL CONCERN | $6K | $0 | $6K | 4.19% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS INSURANCE | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE DENTAL CONCERN | $0 | $3K | $3K | 2.49% |
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO ROAD LOUISVILLE, KY 40207 | THE DENTAL CONCERN | $0 | $2K | $2K | 1.57% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 35.41% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 14.43% |
| NJN LLC3 | 137 WEISSER AVENUE LOUISVILLE, KY 40206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.80% |
| DAVID WATSON3 | 329123 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | $0 | $84 | 0.16% |
| RONNIE LEE JANES JR3 Filed as: RONNIE L JANES | 105 DAVENTRY LANE, SUITE 100 LOUISVILLE, KY 40223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | $0 | $84 | 0.16% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL CONCERN | 304 | $140K |
| Vision | THE DENTAL CONCERN | 304 | $140K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 573 | $172K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 573 | $172K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 573 | $172K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 573 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.