| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $4K | $14K | 11.92% |
| KINCAID BENEFIT GROUP LLC3 Filed as: KINCAID BENEFIT GROUP | P O BOX 278 ROCKPORT, IN 47635 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 7.11% |
| DENNIS E TRAYWICK3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $306 | $3K | 2.62% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $188 | $2K | 1.72% |
| MARILYN DECKER3 | 5173 JOHN HAGAR ROAD HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.51% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $279 | $2K | 1.35% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $156 | $1K | 0.96% |
| LIG BENEFITS LLC3 | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $112 | $1K | 0.92% |
| BRANDI TAFT3 | 822 B NEARTOP DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $53 | $1K | 0.89% |
| ANGELA MASSARELLI3 Filed as: ANGELA J ZWEERS | 801 DEL RIO PIKE FRANKLIN, TN 37064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $314 | $56 | $370 | 0.30% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $163 | $117 | $280 | 0.23% |
| LES BILODEAU3 | 7500 TURNER RIDGE ROAD CRESTWOOD, KY 40014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $69 | $123 | 0.10% |
| SANDRA S DOUGHERTY3 | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.00% |
| DAN J KINCAID3 | 321 MAIN ST ROCKPORT, IN 47635 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.02% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE SUITE 202 NASHVILLE, TN 37220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 1330 NORTH PARK ST CARROLLTON, GA 30117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $186 | $186 | 0.30% |
| KINCAID BENEFIT GROUP LLC3 | P O BOX 278 ROCKPORT, IN 47635 | DELTA DENTAL OF INDIANA | $5K | — | $5K | 7.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF INDIANA | $901 | — | $901 | 1.51% |
| DAN J KINCAID3 | 321 MAIN ST ROCKPORT, IN 47635 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.95% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE SUITE 202 NASHVILLE, TN 37220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 1330 NORTH PARK ST CARROLLTON, GA 30117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $100 | $100 | 0.32% |
| DAN J KINCAID3 | 321 MAIN ST ROCKPORT, IN 47635 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.35% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE SUITE 202 NASHVILLE, TN 37220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $695 | — | $695 | 2.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 1330 NORTH PARK ST CARROLLTON, GA 30117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $397 | — | $397 | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $79 | $79 | 0.33% |
| KINCAID BENEFIT GROUP LLC3 | 321 MAIN STREET ROCKPORT, IN 46706 | VISION SERVICE PLAN | $757 | — | $757 | 5.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 16965 ATLANTA, GA 30321 | VISION SERVICE PLAN | $104 | — | $104 | 0.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KENTUCKY HEALTH ADMINISTRATORS CLAIMS ADMIN | Contract Administrator; Claims processing; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1721 FORTUNE DRIVE SUITE 150 LEXINGTON, KY 40509 | $60K |
| KINCAID INSURANCE BROKER | Insurance agents and brokers; Insurance services Service code 22 | 321 MAIN STREET ROCKPORT, IN 47635 | $35K |
| MARSH USA INC BROKER | Insurance agents and brokers; Insurance services Service code 22 | 11330 LAKEFILED DRIVE BLDG 1 SUITE 100 JOHNS CREEK, GA 30097 | $10K |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 226 | $60K |
| Vision | VISION SERVICE PLAN | 142 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $31K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 154 | $262K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 202 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.