| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 Filed as: LOGAN LAVELLE HUNT INS AGENCY, LLC | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | GERBER LIFE | — | $43K | $43K | 13.89% |
| USC3 | — | GERBER LIFE | $16K | — | $16K | 5.19% |
| MARK HAHN3 | — | GERBER LIFE | $8K | $4K | $12K | 3.84% |
| NANCY FARRELL3 | — | GERBER LIFE | $9K | — | $9K | 2.92% |
| CIGNA3 Filed as: S & S HEALTHCARE STRATEGIES/CIGNA | — | GERBER LIFE | $2K | — | $2K | 0.68% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 Filed as: LOGAN LAVELLE HUNT INS AGENCY LLC | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | — | $22K | 8.68% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 Filed as: LOGAN LAVELLE HUNT INSURANCE | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 10.58% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $4K | $11K | 9.14% |
| SANDRA S DOUGHERTY3 | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $602 | $5K | 4.43% |
| WILLIAM JACK MITCHELL JR3 | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $677 | $4K | 2.89% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $8 | $20 | 0.02% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| KEITH TOBIAS3 | 1366 DUNRAVEN DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LERMAN VENTURES INC3 Filed as: LERMAN VENTURES, INC. | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNDERWRITERS SERVICES CORPORATION EIN 90-0345133 TPA | Contract Administrator; Other fees Service code 13 | — | $89K |
| S & S HEALTHCARE STRATEGIES/CIGNA EIN 31-1418743 PPO NETWORK | Other fees Service code 99 | — | $43K |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 426 | $256K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 426 | $256K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 426 | $256K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 426 | $256K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 426 | $256K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE | 183 | $309K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 222 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.