| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 4500 TOWN CENTER BLVD SUITE 200 JEFFERSONVILLE, IN 47130 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 6.06% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT CO., INC. | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF KENTUCKY | $22 | — | $22 | 0.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 650823 DEPT 42247 DALLAS, TX 75265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $527 | $2K | 8.83% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.17% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $232 | $232 | 0.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DEPT 42247 DALLAS, TX 75265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $534 | $2K | 11.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.43% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $269 | $269 | 1.22% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION AVE #700 DENVER, CO 80237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 18.77% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8182 MARYLAND AVE SUITE 250 ST LOUIS, MO 63105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $493 | — | $493 | 3.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS, INC. | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $374 | — | $374 | 2.91% |
| ASSURED NL INS SVCS INC.3 Filed as: ASSURED NL INS AGCY, INC. | 5905 EAST GAILBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.49% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29229 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $620 | $66 | $686 | 6.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 4500 TOWN CENTER BLVD SUITE 200 JEFFERSONVILLE, IN 47130 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $497 | — | $497 | 4.35% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DEPT 42247 DALLAS, TX 75265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $755 | $225 | $980 | 8.66% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $942 | — | $942 | 8.33% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $104 | $104 | 0.92% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $767 | — | $767 | 8.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DEPT. 42247 DALLAS, TX 75265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $595 | $157 | $752 | 8.28% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $80 | $80 | 0.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY EIN 61-1237516 MEDICAL/VISION | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $35K |
| AMERIBEN / IEC GROUP EIN 82-0497661 TPA | Claims processing Service code 12 | — | $22K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $6K |
| CURALINC, LLC EIN 33-1206383 EAP ADMIN | Claims processing; Contract Administrator Service code 12 | — | $3K |
| MARQUEE HEALTH EIN 46-5472798 WELLNESS PROGRAM | Contract Administrator; Claims processing Service code 12 | — | $3K |
| ASSUREDPARTNERS NL, LLC EIN 45-2712475 STOP LOSS SUPPL. COMP. | Contract Administrator; Claims processing Service code 12 | — | $2K |
| LOCKTON COMPANIES EIN 20-3354970 STOP LOSS ADMIN FEE | Other commissions; Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Insurance agents and brokers Service code 12 | — | $1K |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 243 | $61K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 102 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 56 | $22K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 58 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.