| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | AMERICAN UNITED LIFE INSURANCE COMPANY | $44K | $0 | $44K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, SUITE 2400 CINCINNATI, OH 45202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.71% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.52% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $701 | $6K | 22.82% |
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 | 362 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 712 | $3.3M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 712 | $3.3M |
| Vision | VISION SERVICE PLAN | 336 | $38K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 296 | $292K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 296 | $292K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 296 | $292K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 712 | $3.3M |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 296 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 712 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.