| 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 | STANDARD LIFE | $55K | — | $55K | 13.61% |
| USC3 | — | STANDARD LIFE | $29K | — | $29K | 7.12% |
| MARK HAHN3 | — | STANDARD LIFE | $19K | — | $19K | 4.76% |
| CIGNA3 Filed as: S & S HEALTHCARE STRATEGIES/CIGNA | — | STANDARD LIFE | $4K | — | $4K | 0.86% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 Filed as: LOGAN LAVELLE HUNT INS AGENCY LLC | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | — | $31K | 8.77% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $6K | $13K | 11.05% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 Filed as: LOGAN LAVELLE HUNT INSURANCE | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 9.26% |
| SANDRA S DOUGHERTY3 | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 5.47% |
| WILLIAM JACK MITCHELL JR3 | 1302 CLEAR SPRINGS TRACE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $906 | $3K | 2.86% |
| JASON S DUCKWORTH3 | 10454B BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOE GORDON3 | 5417 WINTHROP AVENUE INDIANAPOLIS, IN 46220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNDERWRITERS SERVICES CORPORATION EIN 90-0345133 TPA | Other fees; Contract Administrator Service code 13 | — | $117K |
| S & S HEALTHCARE STRATEGIES/CIGNA EIN 31-1418743 PPO NETWORK | Other fees Service code 99 | — | $56K |
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 | 293 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 554 | $352K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 554 | $352K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 554 | $352K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 554 | $352K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 554 | $352K |
| Stop-loss / reinsurancereinsurance | STANDARD LIFE | 256 | $406K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 203 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.