| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TASK INSURANCE GROUP, LLC3 | 267 EAST RAILROAD, UNIT 304 BARTLETT, IL 60103 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $85K | $0 | $85K | 5.00% |
| TASK INSURANCE GROUP, LLC3 | 1821 WALDEN OFFICE SQUARE SUITE 350 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $27K | $0 | $27K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 101 WEST MAIN STREET NORFOLK, VA 23510 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $42 | $2K | 4.11% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42140 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $394 | $2K | 2.97% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH S. GOLDEN | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $805 | $114 | $919 | 1.56% |
| FRANKIE GLEE WILLIAMS3 | 725 STEEPLECHASE WAY BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $531 | $152 | $683 | 1.16% |
| SUSAN MAE DANIEL3 Filed as: SUSAN MAE DANIEL AND OTHER AGENTS | 205 MORNINGSIDE DRIVE HOPKINSVILLE, KY 42240 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $527 | $43 | $570 | 0.97% |
| VIOLET P COOTS3 Filed as: VIOLET P. COOTS | 1870 PLANO RICHPOND ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $502 | $67 | $569 | 0.96% |
| MICHAEL J BOONE3 Filed as: MICHAEL J. BOONE | 1302 CLEAR SPRINGS TRACE LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $468 | $0 | $468 | 0.79% |
| TASK INSURANCE GROUP, LLC3 | 1821 WALDEN OFFICE SQUARE SUITE 350 SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $2K | $0 | $2K | 10.02% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 235 | $1.7M |
| Vision | EYEMED VISION CARE | 369 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 183 | $180K |
| Short-term disability | STANDARD INSURANCE COMPANY | 183 | $180K |
| Long-term disability | STANDARD INSURANCE COMPANY | 183 | $180K |
| Prescription drug | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 235 | $1.7M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 183 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.