| 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. | $46K | — | $46K | 2.37% |
| FOUNDATION RISK PARTNERS CORP3 | 2125 YGNACIO VALLEY RD STE 200 WALNUT CREEK, CA 94598 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $27K | — | $27K | 1.37% |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INSURANCE AGENCY | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $25K | — | $25K | 1.30% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD # 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 5.52% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| HAUSER INC3 | 5905 E GALBRAITH RD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $962 | $5K | 3.13% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD #200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $931 | $15K | 14.82% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $8K | 7.45% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD # 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $573 | $7K | 11.63% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $809 | $3K | 5.61% |
| BICKLEY INSURANCE3 | 237 WOODLAND PASS MT WASHINGTON, KY 40047 | AFLAC | $4K | — | $4K | 10.51% |
| MATTHEW HUDSON3 | 11501 WILLOW STREAM CT APT 301 LOUISVILLE, KY 40299 | AFLAC | $961 | — | $961 | 2.37% |
| DAVID WATSON3 | 3912 FALLEN TIMBER DR LOUISVILLE, KY 40241 | AFLAC | $561 | — | $561 | 1.38% |
| AMY JOHANNEMANN3 Filed as: AMY S JOHANNEMANN | 11708 E STATE RD 56 FRENCH LICK, IN 47432 | AFLAC | $383 | — | $383 | 0.95% |
| THONAS W BURNETT3 | 1928 YALE DRIVE LOUISVILLE, KY 40205 | AFLAC | $347 | — | $347 | 0.86% |
| CHARLES L GRAY3 | 105 DAVENTRY LANE STE 100 LOUISVILLE, KY 40223 | AFLAC | $223 | — | $223 | 0.55% |
| R AARON WRIGHT3 Filed as: R. AARON WRIGHT | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $122 | — | $122 | 0.30% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD FRANK BROOKS | 9200 SHELBYVILLE RD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $39 | — | $39 | 0.10% |
| DENNIS S HARTIN3 | 14506 MIRASOL MANOR CT TAMPA, FL 33626 | AFLAC | $31 | — | $31 | 0.08% |
| BRADLEY L ELLIS3 | 1500 BEVILLE RD STE 606 #327 DAYTONA BEACH, FL 32115 | AFLAC | $5 | — | $5 | 0.01% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD SUITE 200 LOUISVILLE, KY 40223 | EYEMED | $2K | — | $2K | 6.15% |
| HAUSER INC3 Filed as: HAUSER, INC. | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | EYEMED | $1K | — | $1K | 3.66% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD # 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $197 | $3K | 11.26% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 7.00% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $353 | $1K | 6.11% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD # 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $154 | $2K | 11.35% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $774 | $223 | $997 | 5.87% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD # 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $207 | $16 | $223 | 12.04% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD # 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $70 | $25 | $95 | 5.13% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $74 | $74 | 4.00% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 469 | $1.9M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 294 | $147K |
| Vision | EYEMED | 489 | $33K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 412 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $62K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 412 | $103K |
| Other(4 contracts, 2 carriers) | AFLAC | 412 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.