| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $72K | — | $72K | 4.61% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD #9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $3K | $12K | 10.69% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.29% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MA 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.37% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $2K | $18K | 22.40% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.27% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.24% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.90% |
| BICKLEY INSURANCE3 | 237 WOODLAND PASS MT WASHINGTON, KY 40047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 8.44% |
| MATTHEW HUDSON3 | 11501 WILLOW STREAM COURT APARTMENT 301 LOUISVILLE, KY 40299 | CONTINENTAL AMERICAN INSURANCE COMPANY | $700 | — | $700 | 1.75% |
| DAVID WATSON3 | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $415 | — | $415 | 1.04% |
| AMY JOHANNEMANN3 Filed as: AMY S JOHANNEMANN | 11708 EAST STATE ROAD 56 FRENCH LICK, IN 47432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $329 | — | $329 | 0.82% |
| THOMAS W BURNETT3 | 1928 YALE DRIVE LOUISVILLE, KY 40205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $299 | — | $299 | 0.75% |
| CHARLES L GRAY3 | 105 DAVENTRY LANE SUITE 100 LOUISVILLE, KY 40223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $193 | — | $193 | 0.48% |
| R AARON WRIGHT3 Filed as: R. AARON WRIGHT | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.23% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD FRANK BROOKS | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.09% |
| DENNIS S HARTIN3 | 14506 MIRASOL MANOR COURT TAMPA, FL 33626 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.07% |
| R AARON WRIGHT3 Filed as: AARON R WRIGHT | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| BRADLEY L ELLIS3 | 1500 BEVILLE ROAD SUITE 606 #327 DAYTONA BEACH, FL 32114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.18% |
| HAUSER INC3 Filed as: HAUSER, INC. | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $205 | — | $205 | 0.86% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $518 | $4K | 17.56% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 7.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $693 | $693 | 3.43% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $309 | $2K | 17.42% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $422 | $422 | 3.31% |
| JOSEPH BICKLEY3 | PO BOX 414 MT WASHINGTON, KY 40047 | AFLAC | $431 | — | $431 | 5.17% |
| THERESA J SMITH3 | 18411 STANDWICK DRIVE LOUISVILLE, KY 40245 | AFLAC | $103 | — | $103 | 1.24% |
| JONATHAN C DAVIDSON3 | 9803 WEST STATE ROAD 58 NORMAN, IN 47264 | AFLAC | $81 | — | $81 | 0.97% |
| JOSEPH M GOSSMAN JR3 | 17836 BIRCH BEND CIRCLE FISHERVILLE, KY 40023 | AFLAC | $41 | — | $41 | 0.49% |
| JAMES A RIED3 | 6036 BEAR CREEK COURT COLUMBUS, GA 31909 | AFLAC | $34 | — | $34 | 0.41% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $25 | — | $25 | 0.30% |
| RICK HALLORAN3 | PO BOX 3058 WEST SOMERSET, KY 42564 | AFLAC | $25 | — | $25 | 0.30% |
| R AARON WRIGHT3 | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $22 | — | $22 | 0.26% |
| BICKLEY INSURANCE3 Filed as: BICKLEY INSURANCE INC | PO BOX 414 MT WASHINGTON, KY 40047 | AFLAC | $15 | — | $15 | 0.18% |
| ROGER L BENNETT3 | PO BOX 1268 VERSAILLES, KY 40383 | AFLAC | $10 | — | $10 | 0.12% |
| ROGER TOOHEY3 | PO BOX 1265 SOMERSET, KY 42502 | AFLAC | $8 | — | $8 | 0.10% |
| LIB WILSON & ASSOCIATES, INC.3 Filed as: LIB WILSON & ASSOCIATES, INC | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $6 | — | $6 | 0.07% |
| RONNIE LEE JANES JR3 | 7013 WESTRIDGE FOREST COURT LANESVILLE, IN 47136 | AFLAC | $5 | — | $5 | 0.06% |
| LYDIA C CLARK3 | 11882 PINE MEADOW CIRCLE FISHERS, IN 46037 | AFLAC | $4 | — | $4 | 0.05% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $4 | — | $4 | 0.05% |
| BRANDY ANN HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $4 | — | $4 | 0.05% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DRIVE SUITE 4 NEW LENOX, IL 60451 | AFLAC | $4 | — | $4 | 0.05% |
| EMPLOYEE BENEFITS & INS SOLUTIONS3 | 6036 BEAR CREEK COURT COLUMBUS, GA 31909 | AFLAC | $4 | — | $4 | 0.05% |
| LEEZA DANIELE WRIGHT3 | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $3 | — | $3 | 0.04% |
| TANDRA FAYE FREED3 | 719 LAWMAN AVENUE BRIDGEPORT, WV 26330 | AFLAC | $3 | — | $3 | 0.04% |
| MICHAEL L MCDONALD3 | 329 SOUTH EUCLID AVENUE OAK PARK, IL 60302 | AFLAC | $3 | — | $3 | 0.04% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $2 | — | $2 | 0.02% |
| THOMAS W BOSTON3 Filed as: THOMAS WORKMAN | PO BOX 17761 COVINGTON, KY 41017 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID A EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $1 | — | $1 | 0.01% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $216 | $54 | $270 | 18.74% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $71 | $71 | 4.93% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $58 | $58 | 4.02% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4 | — | $4 | 8.89% |
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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 218 | $1.6M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $110K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 346 | $24K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 328 | $34K |
| Short-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $95K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 327 | $80K |
| Other(5 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 328 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.