| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE UNDERWRITERS GROUP INC3 Filed as: UNDERWRITERS GROUP INC | — | HUMANA HEALTH PLAN, INC. | $26K | $1K | $27K | 6.22% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $5K | $10K | 14.21% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $4K | $6K | 8.87% |
| THE UNDERWRITERS GROUP INC3 | PO BOX 23790 LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 8.43% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $825 | $4K | 5.81% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $862 | $3K | 4.04% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $170 | $2K | 2.59% |
| AXEL H HALVARSON3 Filed as: AXEL H. HALVARSON | 13117 EASTPOINT PK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $71 | $2K | 2.15% |
| BRYSON TYLER BEACH3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.59% |
| ROBERT ANTHONY MARTIN3 | PO BOX 1516 FLORENCE, KY 41022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $438 | $329 | $767 | 1.05% |
| REGINA SCHMUTTE3 | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $150 | $196 | 0.27% |
| LIG BENEFITS LLC3 | 10007 IVYBRIDGE CIRCLE LOUISVILLE, KY 40241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $3 | $61 | 0.08% |
| THE UNDERWRITERS GROUP INC3 Filed as: UNDERWRITERS GROUP INC | PO BOX 23790 LOUISVILLE, KS 402230790 | THE DENTAL CONCERN, INC. | $3K | — | $3K | 8.51% |
| THE UNDERWRITERS GROUP INC3 Filed as: UNDERWRITERS GROUP INC | PO BOX 23790 LOUISVILLE, KY 402230790 | HUMANA INSURANCE COMPANY OF KENTUCKY | $3K | — | $3K | 14.89% |
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 | 568 | 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) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL CONCERN, INC. | 55 | $36K |
| Vision | THE DENTAL CONCERN, INC. | 55 | $36K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 568 | $96K |
| Other(3 contracts, 3 carriers) | HUMANA HEALTH PLAN, INC. | 568 | $537K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.