| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES INC | 401 W. MAIN ST LOUISVILLE, KY 402022948 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 1.89% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 N. WHITTINGTON PKWY STE 300 LOUISVILLE, KY 402224184 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 1.05% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD STE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $7K | $15K | 7.38% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 NORTH WHITTINGTON PARKWAY LOUISVILLE, KY 40222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $4K | $13K | 6.31% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LN GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $7K | $13K | 6.19% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, ME 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 2.97% |
| R H CLARKSON FINANCIAL SERVICES INC3 Filed as: R H CLARKSON FINANCIAL SERVICES | 401 W MAIN ST LOUISVILLE, KY 40270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 2.96% |
| JOE AUSTIN SUMNER3 | 11318 ARBOR WOODS DR LOUISVILLE, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 2.18% |
| MARA HARWELL3 | 2804 SMOKE RD LOUISVILLE, KY 40220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $926 | $4K | 1.96% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 23790 LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $4 | $3K | 1.28% |
| MACKENZIE PETRI3 | 2313 GRANT LINE RD APT 26 NEW ALBANY, IN 47129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $432 | $2K | 1.10% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $64 | $2K | 1.02% |
| THERESA DIANE NETHERTON3 | 3368 DOVER CHURCH RD GLASGOW, KY 42141 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $84 | $2K | 0.74% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 225 KENNETH DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $41 | $1K | 0.59% |
| KIMBERLY ANNE BADENHOP3 | 838 E HIGH STREET LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $780 | $186 | $966 | 0.46% |
| AMY E COHEN3 Filed as: AMY L FARNSLEY | 5900 HICKMAN CT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | $104 | $329 | 0.16% |
| FRANKIE GLEE WILLIAMS3 | 186 CHAMBERS DR BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $217 | $64 | $281 | 0.14% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $264 | $10 | $274 | 0.13% |
| DONALD H MATSON3 | 8 ROSEWOOD DR AUBURN, NY 13021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | — | $252 | 0.12% |
| MEGAN GOODMAN3 | 11918 PERRY CROSSING PARKWAY SELLERSBERG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $210 | — | $210 | 0.10% |
| AXEL H HALVARSON3 Filed as: AXEL H. HALVARSON | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 0.07% |
| MADISON ELYSE DANIELS3 | 4201 SIMCOE LN APT 407 LOUISVILLE, KY 40241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $24 | $46 | 0.02% |
| THE BARDELL AGENCY3 | 424 CUNNINGHAM LANE LEXINGTON, KY 40508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $1 | $46 | 0.02% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $9 | $41 | 0.02% |
| MARY DUFF3 | 1005 RICHMOND RD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| JESSIE INSURANCE DANVILLE LLC3 Filed as: JESSIE INSURANCE DANVILLE LL | 129 S 4TH ST DANVILLE, KY 40422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| ALICE RYAN STRIBLING3 | 511 KILLBOURNE RD COLUMBIA, SC 29205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| KRISTEN BENNETT3 | 1462 HAMILTON CT BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| LESLIE ANN FEATHERLY3 | 3022 HELENA RD FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| THE HINTON AGENCY LLC3 | 121 E ELECTRIC AVE FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| RH CLARKSON FINANCIAL SERVICES, INC3 Filed as: RH CLARKSON FINANCIAL SERVICES INC | 401 W. MAIN ST STE 1 LOUISVILLE, KY 40202 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 4.88% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 2.62% |
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 | 1,467 | 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) | 1,467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 332 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 332 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 332 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,467 | $345K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,467 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,467 | — |
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.
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.