| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 312 JASON DRIVE SUITE 13 RICHMOND, KY 40475 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 3.92% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $5K | $5K | 1.06% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 13.79% |
| ASSUREDPARTNERS3 | 2416 SIR BARTON WAY SUITE 300 LOUISVILLE, KY 40509 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $25 | $5K | 10.41% |
| WILLIAN JACK MITCHELL3 | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $375 | $1K | 3.26% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $818 | $592 | $1K | 3.20% |
| LES BILODEAU3 Filed as: LES BILODEAU & VAR AGENTS | 7500 TURNER RIDGE ROAD CRESTWOOD, KY 40014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $991 | $352 | $1K | 3.05% |
| SANDRA S DOUGHERTY3 | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $154 | $1K | 2.69% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $844 | $84 | $928 | 2.10% |
| DIANE MARIE JARBOE3 | 3013 APACHE DRIVE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $620 | $60 | $680 | 1.54% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 105 | $477K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $66K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $66K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $66K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 77 | $44K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 105 | $477K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.