| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCRETIVE WHOLESALE INSURANCE SERVI3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $52K | — | $52K | 11.43% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP GRUNDY | 105 MAY STREET SOMERSET, KY 42501 | STANDARD INSURANCE COMPANY | $58K | $16K | $74K | 19.20% |
| PHIL W GRUNDY3 Filed as: PHIL GRUNDY INSURANCE, LLC | 105 MAY STREET SOMERSET, KY 42501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48K | — | $48K | 14.10% |
| AARON VANPELT INC3 Filed as: AARON VANPELT, INC. | 11495 PENNSYLVANIA STREET SUITE 200 CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $6K | $17K | 5.12% |
| LEONARD L CAVENDER3 Filed as: LEONARD L. CAVENDAR | 19172 SCOFIELD FARMS BLVD WESTFIELD, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $9K | 2.49% |
| LILIAN CAVENDAR3 | 19172 SCOFIELD FARMS BLVD WESTFIELD, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 1.48% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP KROSS GRUNDY | 104 1/2 NORTH CENTRAL SOMERSET, KY 42501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $126 | $4K | 1.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 E. COMMERCIAL BOULEVARD FT. LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.01% |
| JUDY STEVENS3 | 2132 LEAFLAND PLACE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.01% |
| BOBBIE J WHITTAKER3 Filed as: BOBBIE WHITAKER | 2530 SCOTTSVILLE ROAD SUITE 109 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.01% |
| BETTER SOURCE BENEFIT COMPANY INC3 Filed as: BETTER SOURCE BENEFIT COMPANY, INC. | 340 CLIFTY STREET SOMERSET, KY 42501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| JENI MARIE CHAPPELL3 | 3324 S. GLEN GABLES BOULEVARD BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $1 | $19 | 0.01% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| DENISE J CUNNINGHAM3 Filed as: DENISE CUNNINGHAM | 944 LONG ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.00% |
| ANNE OWENS3 | 100 LEESBURG PIKE GEORGETOWN, KY 40324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| FLORIDA SHORES INSURANCE LLC3 Filed as: FLORIDA SHORES INSURANCE, LLC | 908 NE 6TH STREET POMPANO BEACH, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | ADDRESS NOT LISTED BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| KRISTIN BENNETT3 | 1462 HAMILTON COURT BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH GOLDEN | 1505 AQUARIUS WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| DONNA FOUSHEE3 | 89 BLAIR ROAD BRANDENBURG, KY 40108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| MELODY LUNSFORD3 | 1620 OLD ZION CHURCH ROAD WOODBURN, KY 42170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| TED BENNETT3 | 1087 ARISTIDES DRIVE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS OTHERS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MIKE TERRY3 | 1505 CASPER COURT LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| IRENE SHULGIN3 | 503 BRIANS WAY AUGUSTA, GA 30907 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP GRUNDY | 105 SOMERSET, KY 42501 | STANDARD INSURANCE COMPANY | $45K | $13K | $58K | 19.29% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP GRUNDY | 105 MAY STREET SOMERSET, KY 42501 | STANDARD INSURANCE COMPANY | $31K | $9K | $39K | 19.61% |
| PHILLIP GRUNDY, JR.3 | 104 N. CENTRAL AVENUE SOMERSET, KY 42501 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 9.87% |
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 | 1,211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,614 | $459K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,573 | $99K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,211 | $200K |
| Short-term disability | STANDARD INSURANCE COMPANY | 781 | $385K |
| Long-term disability | STANDARD INSURANCE COMPANY | 723 | $298K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,211 | $542K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,614 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.