| 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 | $42K | $8K | $51K | 12.77% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN J BYRNE | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | — | $22K | 9.95% |
| BENJAMIN BYRNE & ASSOCIATES3 | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 10.14% |
| JEFFREY D HARNED3 Filed as: JEFFREY HARNED | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $420 | $2K | 3.54% |
| LIG BENEFITS LLC3 | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $123 | $2K | 3.50% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM MITCHELL JR | 920 S. ASH ST N PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $250 | $1K | 2.66% |
| RTR AL CORP3 Filed as: RTR AL CORP. | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $43 | $1K | 2.55% |
| TIM REED3 | 21 AZALEA DR LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | — | $222 | 0.41% |
| BILODEAU INC3 Filed as: BILODEAU INC. | 7500 TURNER RIDGE RD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $15 | $67 | 0.12% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN BYRNE | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | ANTHEM LIFE INSURANCE COMPANY | $890 | — | $890 | 11.07% |
| BYRNE INSURANCE GROUP3 Filed as: BYRNE ASSOCIATES | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | FIDELITY SECURITY | $69K | — | $69K | — |
| THE UNDERWRITERS GROUP INC3 Filed as: THE UNDERWRITERS GROUP | P.O. BOX 23790 LOUISVILLE, KY 40223 | FIDELITY SECURITY | $22K | — | $22K | — |
| MARK HAHN3 | 1700 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | FIDELITY SECURITY | $11K | — | $11K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| S & S HEALTHCARE STRATEGIES/CIGNA EIN 31-1418743 CONTRACT ADMINISTRATOR | Direct payment from the plan; Other insurance fees and expenses; Contract Administrator Service code 13 | — | $76K |
| UNDERWRITERS SERVICES CORPORATION EIN 90-0345133 CLAIM PROCESSOR | Claims processing; Insurance brokerage commissions and fees; Recordkeeping fees; Insurance agents and brokers Service code 12 | — | $72K |
| BYRNE ASSOCIATES | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $9K |
| S&S HEALTHCARE STRATEGIES/CIGNA | Other insurance fees and expenses; Contract Administrator Service code 13 | — | $5K |
| MARK HAHN INSURANCE BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers 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 | — | $946 |
| BYRNE & ASSOCIATES INSURANCE BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 9401 WILLIAMSBURG PLAZA LOUISVILLE, KY 40222 | $0 |
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 | 453 | 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) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIDELITY SECURITY | 345 | $0 |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 736 | $614K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 736 | $614K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 736 | $622K |
| Short-term disability(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 736 | $664K |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 736 | $614K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY | 345 | $0 |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 88 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 736 | — |
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.