| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 | 312 JASON DRIVE, SUITE 13 RICHMOND, KY 40475 | UNITED HEALTHCARE INSURANCE COMPANY | $84K | — | $84K | 4.06% |
| NORMA J DAVIS3 Filed as: NORMA J. DAVIS | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $6K | $25K | 14.16% |
| MARGARET M GRAHAM3 Filed as: MARGARET M. GRAHAM | 200 CROOKED CREEK DRIVE ONEIDA, TN 37841 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $721 | $6K | 3.16% |
| BART GAUNT3 | 4021 SAINT GERMAINE COURT LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 2.55% |
| ANNE OWENS3 | 1516 DEER LAKE DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $274 | $3K | 1.73% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $395 | $4 | $399 | 0.22% |
| MJ INSURANCE3 Filed as: MARY DUFF AND VARIOUS AGENTS | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $346 | $36 | $382 | 0.21% |
| STRATEGIC BUSINESS SERVICES3 Filed as: STRATEGIC BUSINESS SERVICES, LLC | 21 ROSEMARY RUN DELAWARE, OH 43015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $156 | — | $156 | 0.09% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 3.95% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $648 | $193 | $841 | 19.46% |
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 | 435 | 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) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 375 | $2.1M |
| Dental | DELTA DENTAL OF KENTUCKY | 351 | $93K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 375 | $2.1M |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 435 | $192K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 235 | $178K |
| Long-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 235 | $178K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 375 | $2.1M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 435 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.