| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $819K | $134K | $953K | 14.61% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: THE ULTIMATE SOFTWARE GROUP, INC. | 1485 NORTH PARK DRIVE WESTON, FL 33326 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $25K | $25K | 0.38% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $134K | $0 | $134K | 4.59% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $274K | $0 | $274K | 27.22% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $235K | $0 | $235K | 23.33% |
| BRITE BENEFITS INC3 Filed as: BRITE BENEFITS, INC. | 341 SOUTH MAIN STREET, SUITE 500 SALT LAKE CITY, UT 84111 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $44K | $0 | $44K | 4.33% |
| ASSUREDPARTNERS3 | 285 COZZINS STREET COLUMBUS, OH 43215 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $36K | $0 | $36K | 4.02% |
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 | 7,461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 11,010 | $2.9M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 9,905 | $891K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,949 | $6.5M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,949 | $6.5M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,949 | $6.5M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,949 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,010 | — |
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.