| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACISURE LLC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $24K | — | $24K | 14.34% |
| ACRISURE LLC3 | DBA MILLER-LEWIS BENEFIT CONSU LANCASTER, OH 43130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 15.99% |
| RTR AL CORP3 Filed as: RTR AI CORP | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $49 | $1K | 4.24% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD STE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $578 | $386 | $964 | 2.82% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LN GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $466 | $481 | $947 | 2.77% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $481 | $178 | $659 | 1.93% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | $8 | $185 | 0.54% |
| ACRISURE LLC3 | DBA MILLER-LEWIS BENEFIT CONSU LANCASTER, OH 43130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $335 | $3K | 14.97% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD STE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | $124 | $358 | 2.13% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $57 | $231 | 1.37% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $1 | $54 | 0.32% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 71 | $51K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 166 | $167K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 166 | $167K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 166 | $167K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE COMPANY | 85 | $291K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 166 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.