| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM S HEDRICK3 Filed as: WILLIAM HEDRICK | 264 OLD FLEMINGSBURG RD MOREHEAD, KY 40351 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $12K | $198 | $12K | 8.38% |
| JAMES DAVID HALL3 | 506 W. HIGH ST MT STERLING, KY 40353 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $6K | $61 | $6K | 4.11% |
| STEVE A CALVERT3 | 103 MAIN STREET SHARPSBURG, KY 40374 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $5K | $258 | $5K | 3.86% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2K | $623 | $2K | 1.52% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2K | $312 | $2K | 1.30% |
| EMILY SLUSHER3 | 2302 CEDARWOOD DRIVE MAYSVILLE, KY 41056 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $412 | $261 | $673 | 0.47% |
| NORMA J DAVIS3 Filed as: NORMA J. DAVIS | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $24 | $1 | $25 | 0.02% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4000 SMITH RD CINCINNATI, OH 45209 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| LARRY DOUGLAS BOW3 | P. O. BOX 487 SCOTTSVILLE, KY 42164 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| BART GAUNT3 | 4021 ST. GERMAINE COURT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| VICKIE E LEWIS3 Filed as: VICKIE E. LEWIS | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MICHAEL J BOONE3 Filed as: MICHAEL J. BOONE | 1302 CLEAR SPRINGS TRACE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| COURTLANN M ATKINSON3 Filed as: COURTLANN M. ATKINSON | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MARSHA CLARKSON3 | 328 BARREN MEADOWS DRIVE GLASGO, KY 42141 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MARY DUFF3 | 176 PASADENA DRIVE LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WILLIAM S HEDRICK3 Filed as: WILLIAM S. HEDRICK | 264 OLD FLEMINGSBURG ROAD MOREHEAD, KY 40351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $91 | $5K | 7.68% |
| JAMES DAVID HALL3 | 506 W. HIGH STREET MT. STERLING, KY 40353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $29 | $2K | 3.44% |
| STEVE A CALVERT3 Filed as: STEVE A. CALVERT | 103 MAIN STREET SHARPSBURG, KY 40374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $61 | $2K | 3.16% |
| MIKE TERRY3 | P. O. BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $669 | $418 | $1K | 1.60% |
| MARGARET C TERRY3 Filed as: MARGARET C. TERRY | P. O. BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $669 | $131 | $800 | 1.18% |
| EMILY SLUSHER3 | 2302 CEADARWOOD DRIVE MAYSVILLE, KY 41056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $609 | $27 | $636 | 0.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4000 SMITH ROAD CINCINNATI, OH 45209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| NORMA J DAVIS3 Filed as: NORMA J. DAVIS | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| VICKIE E LEWIS3 Filed as: VICKIE E. LEWIS | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MICHAEL J BOONE3 Filed as: MICHAEL J. BOONE | 1302 CLEAR SPRINGS TRACE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BART GAUNT3 | 4021 ST. GERMAINE COURT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| COURTLANN M ATKINSON3 Filed as: COURTLANN M. ATKINSON | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSHA CLARKSON1 | 6311 FAIRPLAY ROAD COLUMBIA, KY 42728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 242 | $210K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 242 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.