| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN BYRNE | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | PRINCIPAL LIFE INSURANCE COMPANY | $38K | $11K | $49K | 10.76% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN BYRNE | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $178 | $4K | 7.01% |
| JEFFREY D HARNED3 Filed as: JEFFREY HARNED | 13117 EASTPOINTE PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $600 | $2K | 2.88% |
| LIG BENEFITS LLC3 | 4302 DARBROOK RD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $78 | $1K | 2.10% |
| RTR AL CORP3 | 100 PROMENADE CT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $114 | $1K | 1.96% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM MITCHELL JR | 920 S. ASH ST N PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $952 | $190 | $1K | 1.83% |
| TIM REED3 | 21 AZALEA DR LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | — | $216 | 0.35% |
| SANDRA S DOUGHERTY3 Filed as: SANDRA DOUGHERTY | 4302 DARBROOK RD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $27 | $112 | 0.18% |
| LES BILODEAU3 | 7500 TURNER RIDGE RD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $50 | $94 | 0.15% |
| QUINN F PEARL3 Filed as: QUINN PEARL | 14404 FAIRFIELD GARDENS DR LOUISVILLE, KY 40245 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN BYRNE | 6303 LIME ROAD LOUISVILLE, KY 40222 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 9.87% |
| BYRNE INSURANCE GROUP3 Filed as: BYRNE ASSOCIATES | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | FIDELITY SECURITY | $74K | — | $74K | — |
| THE UNDERWRITERS GROUP INC3 Filed as: UNDERWRITERS SERVICES CORPORATION | P.O. BOX 23790 LOUISVILLE, KY 40223 | FIDELITY SECURITY | $25K | — | $25K | — |
| MARK HAHN3 | 1700 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | FIDELITY SECURITY | $12K | — | $12K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| S & S HEALTHCARE STRATEGIES/CIGNA EIN 31-1418743 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $74K |
| UNDERWRITERS SERVICES CORPORATION EIN 90-0345133 CLAIM PROCESSOR | Insurance agents and brokers; Recordkeeping fees; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $72K |
| BYRNE ASSOCIATES | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $9K |
| MARK HAHN INSURANCE BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1700 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | $4K |
| HINES & ASSOCIATES EIN 36-3545085 UR CLAIM PROCESSOR | Insurance services; Other fees Service code 23 | — | $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 | 448 | 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) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIDELITY SECURITY | 368 | $0 |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 762 | $455K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 762 | $455K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 762 | $466K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 762 | $455K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 762 | $455K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 92 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 762 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.