| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCRETIVE WHOLESALE INSURANCE SERVI3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $28K | — | $28K | 8.19% |
| AP WHOLESALE INSURANCE SERVICES LLC3 Filed as: AP WHOLESALE INSURANCE SERVICES, LL | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 1.86% |
| INSPIRE WORKFORCE OF KENTUCKY3 | 8888 KEYSTONE CROSSING BLVD INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $43K | $10K | $54K | 18.50% |
| INSPIRE WORKFORCE OF KENTUCKY3 | 8888 KEYSTONE CROSSING BLVD INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $39K | $9K | $48K | 18.50% |
| PHIL W GRUNDY3 Filed as: PHIL GRUNDY INSURANCE, LLC | 105 MAY STREET SOMERSET, KY 42501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26K | — | $26K | 11.92% |
| LEONARD L CAVENDER3 Filed as: LEONARD L. CAVENDAR | 19172 SCOFIELD FARMS BLVD WESTFIELD, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | — | $18K | 8.46% |
| AARON VANPELT INC3 Filed as: AARON VANPELT, INC. | 160 WEST CARMEL DRIVE CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 5.06% |
| LILIAN CAVENDAR3 | 19172 SCOFIELD FARMS BLVD WESTFIELD, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 2.95% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $719 | $275 | $994 | 0.46% |
| BILLY KIRKHAM3 | 1052 N 38TH STREET TERRE HAUTE, IN 47804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $10 | $38 | 0.02% |
| JUDY STEVENS3 | 2132 LEAFLAND PLACE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 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 | $17 | — | $17 | 0.01% |
| KENTUCKY HOSPITAL SVS CORP3 Filed as: KENTUCKY HOSPITAL SERVICES CORP. | P.O. BOX 436629 LOUISVILLE, KY 40253 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| VIOLET P COOTS3 Filed as: VIOLET COOTS | 1410 WHALEN ROAD BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.00% |
| JEFFREY D HARNED3 Filed as: JEFFREY HARNED | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 2325 GREEN VALLEY ROAD NEW ALBANY, IN 47150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.00% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH S. GOLDEN | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM JACK MITCHELL, JR. | 920 S. ASH STREET NORTH PLATTE, NE 69101 | 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% |
| INSPIRE WORKFORCE OF KENTUCKY3 | 104 N. CENTRAL AVENUE SUITE 175 SOMERSET, KY 42501 | STANDARD INSURANCE COMPANY | $24K | $5K | $29K | 18.50% |
| PHILLIP GRUNDY, JR.3 | 104 N. CENTRAL AVENUE SOMERSET, KY 42501 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 10.89% |
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 | 1,004 | 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) | 1,004 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,367 | $345K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,375 | $63K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,004 | $157K |
| Short-term disability | STANDARD INSURANCE COMPANY | 638 | $290K |
| Long-term disability | STANDARD INSURANCE COMPANY | 639 | $262K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,004 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,375 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.