| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 312 JASON DRIVE, SUITE 13 RICHMOND, KY 40475 | UNITEDHEALTHCARE INSURANCE COMPANY | $81K | — | $81K | 4.05% |
| NORMA J DAVIS3 Filed as: NORMA J. DAVIS | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $1K | $15K | 8.53% |
| ANNE OWENS3 | 1516 DEER LAKE DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $140 | $3K | 1.70% |
| MARGARET M GRAHAM3 Filed as: MARGARET M. GRAHAM | 200 CROOKED CREEK DRIVE ONEIDA, TN 37841 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $80 | $2K | 1.38% |
| BART GAUNT3 | 4021 SAINT GERMAINE COURT LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $120 | $1K | 0.72% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS GROUP, INC. | 4021 SAINT GERMAINE COURT LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $903 | $121 | $1K | 0.59% |
| MJ INSURANCE3 Filed as: DEE ANN SLADE AND VARIOUS AGENTS | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $774 | $88 | $862 | 0.50% |
| DEBBIE R CUNNINGHAM3 Filed as: DEBBIE R. CUNNINGHAM | 4006 WINDSONG TRAIL GREENBRIER, TN 37073 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $668 | $43 | $711 | 0.41% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 4.02% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $616 | $146 | $762 | 18.55% |
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 | 401 | 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) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 349 | $2.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 325 | $88K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 349 | $2.0M |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 401 | $185K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 222 | $173K |
| Long-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 222 | $173K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 349 | $2.0M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 401 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.