| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | UNITEDHEALTHCARE INSURANCE COMPANY | $172K | $0 | $172K | 5.50% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $18K | $18K | 0.58% |
| ASSUREDPARTNERS3 | 4500 TOWN CENTER BOULEVARD JEFFERSONVILLE, IN 47130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $127K | $6K | $133K | 27.81% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43K | $0 | $43K | 22.94% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $26K | $0 | $26K | 17.04% |
| ASSUREDPARTNERS3 | 160 GREENTREE DRIVE, SUITE 101 DOVER, DE 19904 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.20% |
| TIKIA CONSULTING GROUP INC3 Filed as: TIKIA CONSULTING GROUP INC. | 3525 NORTH CAUSEWAY BOULEVARD SUITE 815 METAIRIE, LA 70002 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.18% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL R. SLADE, SR. | 3350 RIVERWOOD PARKWAY SE SUITE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $565 | $0 | $565 | 0.47% |
| SUZANNE E. SLADE3 | 502 NORTH IRONWOOD DRIVE SOUTH BEND, IN 46615 | TRANSAMERICA LIFE INSURANCE COMPANY | $365 | $0 | $365 | 0.30% |
| AGM BENEFITS3 Filed as: AGM BENEFIT SOLUTIONS LLC | 3975 O'NEAL LANE, SUITE B BATON ROUGE, LA 70816 | TRANSAMERICA LIFE INSURANCE COMPANY | $189 | $0 | $189 | 0.16% |
| ASSUREDPARTNERS3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | HM LIFE INSURANCE COMPANY | $9K | $0 | $9K | 25.00% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 20.00% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 598 | $3.1M |
| Dental | DELTA DENTAL OF KENTUCKY | 586 | $155K |
| Vision | HM LIFE INSURANCE COMPANY | 585 | $34K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $478K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $478K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $478K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 598 | $3.1M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $818K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.