| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCRETIVE WHOLESALE INSURANCE SERVI3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $38K | $4K | $42K | 11.00% |
| INSPIRE WORKFORCE OF KENTUCKY3 | 8888 KEYSTONE CROSSING BLVD INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $32K | $7K | $39K | 13.29% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP GRUNDY | 105 MAY STREET SOMERSET, KY 42501 | STANDARD INSURANCE COMPANY | $12K | $2K | $14K | 4.66% |
| INSPIRE WORKFORCE OF KENTUCKY3 | 888 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 0.95% |
| PHIL W GRUNDY3 Filed as: PHIL GRUNDY INSURANCE, LLC | 105 MAY STREET SOMERSET, KY 42501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29K | — | $29K | 10.36% |
| LEONARD L CAVENDER3 Filed as: LEONARD L. CAVENDAR | 19172 SCOFIELD FARMS BLVD WESTFIELD, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | — | $14K | 4.90% |
| AARON VANPELT INC3 Filed as: AARON VANPELT, INC. | 160 WEST CARMEL DRIVE CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $4K | $12K | 4.48% |
| LILIAN CAVENDAR3 | 19172 SCOFIELD FARMS BLVD WESTFIELD, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 2.01% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $10 | $55 | 0.02% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.01% |
| JUDY STEVENS3 | 2132 LEAFLAND PLACE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 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% |
| DONNA FOUSHEE3 | 89 BLAIR ROAD BRANDENBURG, KY 40108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| BOBBIE J WHITTAKER3 Filed as: BOBBIE WHITAKER | 2530 SCOTTSVILLE ROAD SUITE 109 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $3 | $16 | 0.01% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP KROSS GRUNDY | 104 1/2 NORTH CENTRAL SOMERSET, KY 42501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND, INC. | P.O. BOX 51 FRANKLIN, KY 42135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $1 | $13 | 0.00% |
| JENI MARIE CHAPPELL3 | 3324 S. GLEN GABLES BOULEVARD BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $1 | $12 | 0.00% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| ANNE OWENS3 | 127 ABERDINE WAY GEORGETOWN, KY 40324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH GOLDEN | 1830 DESTINY LANE SUITE 101 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.00% |
| MELODY LUNSFORD3 | 1620 OLD ZION CHURCH ROAD WOODBURN, KY 42170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1120 MAIN STREET BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| BILLY KIRKHAM3 | 1052 N 38TH STREET TERRE HAUTE, IN 47804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $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 | $1 | — | $1 | 0.00% |
| INSPIRE WORKFORCE OF KENTUCKY3 | 8888 KEYSTONE CROSSING BLVD INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $29K | $6K | $35K | 13.38% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP GRUNDY | 105 MAY STREET SOMERSET, KY 42501 | STANDARD INSURANCE COMPANY | $10K | $2K | $12K | 4.56% |
| INSPIRE WORKFORCE OF KENTUCKY3 | 888 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 0.96% |
| INSPIRE WORKFORCE OF KENTUCKY3 | 888 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $19K | $2K | $21K | 11.89% |
| PHIL W GRUNDY3 Filed as: PHIL GRUNDY | 105 MAY STREET SOMERSET, KY 42501 | STANDARD INSURANCE COMPANY | $7K | $1K | $8K | 4.53% |
| INSPIRE WORKFORCE OF KENTUCKY3 | 104 N. CENTRAL AVENUE SUITE 175 SOMERSET, KY 42501 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 2.27% |
| PHILLIP GRUNDY, JR.3 | 104 N. CENTRAL AVENUE SOMERSET, KY 42501 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 5.78% |
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 | 1,099 | 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) | 1,099 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,501 | $384K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,516 | $120K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,099 | $174K |
| Short-term disability | STANDARD INSURANCE COMPANY | 688 | $295K |
| Long-term disability | STANDARD INSURANCE COMPANY | 672 | $265K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,099 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,516 | — |
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.