| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1945 SCOTTSVILLE ROAD SUITE 100 BOWLING GREEN, KY 42104 | UNITEDHEALTHCARE INSURANCE COMPANY | $123K | $16K | $139K | 6.19% |
| ASSUREDPARTNERS3 | 1945 SCOTTSVILLE ROAD SUITE 100 BOWLING GREEN, KY 42104 | AMERICAN UNITED LIFE INSURANCE COMPANY | $58K | $7K | $65K | 31.09% |
| ASSUREDPARTNERS3 | 5905 GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $1K | $43K | 27.71% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $0 | $47K | 31.08% |
| ASSUREDPARTNERS3 | UNKNOWN LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $21K | $0 | $21K | 16.61% |
| TIKIA CONSULTING GROUP INC3 | 3525 NORTH CAUSEWAY BOULEVARD SUITE 815 METAIRIE, LA 70002 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 11.07% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.08% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL R SLADE SR | 3350 RIVERWOOD PARKWAY SE ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $844 | $0 | $844 | 0.83% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS LLC | 14635 SOUTH HARRELLS FERRY ROAD SUITE 6C BATON ROUGE, LA 70816 | TRANSAMERICA LIFE INSURANCE COMPANY | $428 | $0 | $428 | 0.42% |
| SUZANNE E. SLADE3 Filed as: SUZANNE E SLADE | 502 NORTH IRONWOOD ROAD SOUTH BEND, IN 46615 | TRANSAMERICA LIFE INSURANCE COMPANY | $426 | $0 | $426 | 0.42% |
| ASSUREDPARTNERS3 | 1945 SCOTTSVILLE ROAD SUITE 100 BOWLING GREEN, KY 42104 | HM LIFE INSURANCE COMPANY | $7K | $0 | $7K | 25.00% |
| ASSUREDPARTNERS3 | 5905 EAST GAILBRAITH ROAD CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 19.98% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 527 | $2.2M |
| Dental | DELTA DENTAL OF KENTUCKY | 527 | $128K |
| Vision | HM LIFE INSURANCE COMPANY | 517 | $28K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 551 | $310K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $154K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $154K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 527 | $2.2M |
| Other(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 351 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.