| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EPIC3 Filed as: EPIC INS SOLUTIONS AGENCY LLC | PO BOX 221649 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $15K | $49 | $15K | 3.96% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 25.54% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $5K | $9K | 17.64% |
| LES BILODEAU3 | 7500 TURNER RIDGE RD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $4K | $6K | 12.21% |
| DIANE MARIE JARBOE3 Filed as: DIANE MARIE HARBOE | 3013 APACHE DR JEFFERSONVILLE, KY 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $508 | $3K | 6.34% |
| RTL AL CORP3 | 100 PROMENADE CT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $755 | $3K | 5.89% |
| SANDRA S DOUGHERTY3 | 4302 DARBROOK RD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $481 | $3K | 5.27% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $979 | $471 | $1K | 2.99% |
| VICKIE E LEWIS3 | 6558 STOVALL RD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $979 | $360 | $1K | 2.76% |
| ENRIQUE A ERVESUN3 | 12647 BROADMOOR CT S FISHERS, IN 46037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $565 | — | $565 | 1.16% |
| LYDIA C CLARK3 | 11882 PINE MEADOW CR FISHERS, IN 46037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $2 | $87 | 0.18% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOTOWITZ | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $17 | $56 | 0.12% |
| BRANDON MARCELLO CENTO3 | 7060 OAKBAY DRIVE NOBLESVILLE, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| PARRISH J PEACHEE3 | 109 N UNION STREET WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | — | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | — | $3K | 10.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | PO BOX 221649 LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 11.77% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | BOX 221649 LOUISVILLE, KY 40252 | ANTHEM LIFE INSURANCE COMPANY | $471 | — | $471 | 5.45% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | ANTHEM LIFE INSURANCE COMPANY | — | $1 | $1 | 0.01% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | PO BOX 221649 LOUISVILLE, KY 40252 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $775 | $14 | $789 | 12.90% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | PO BOX 221649 LOUISVILLE, KY 40252 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $447 | $7 | $454 | 15.24% |
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 | 93 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 78 | $378K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 62 | $26K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 78 | $378K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 93 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4 | $3K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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.