| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA MATTINGLY3 Filed as: LISA M. MATTINGLY | 600 W. MAIN STREET STE 400 LOUISVILLE, KY 402022998 | THE DENTAL CONCERN, INC. | $6K | $300 | $6K | 4.10% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE INC. | 600 W. MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $6K | $22K | 20.42% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE INC. | 600 W. MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $3K | $12K | 20.50% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE INC. | 600 W. MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.48% |
| BILODEAU INC3 Filed as: BILODEAU INC. | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $331 | $704 | $1K | 9.34% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE | 600 W. MAIN STREET LOUISVILLE, KY 40202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $422 | — | $422 | 3.81% |
| JEFFREY D HARNED3 Filed as: JEFFREY HARNED | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $137 | $258 | 2.33% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | — | $226 | 2.04% |
| VICKIE E LEWIS3 Filed as: VICKIE LEWIS | 6590 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | — | $149 | 1.34% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 1.16% |
| WILLIAM JACK MITCHELL JR3 | 920 S. ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $19 | $58 | 0.52% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.43% |
| RPM BENEFIT ADVISORS LLC3 | 489 ROAD 209 BIG SPRINGS, NE 69122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $1 | $34 | 0.31% |
| KRISTIN BENNETT3 | 1462 HAMILTON COURT BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| TED BENNETT3 | 1087 ARISTIDES DRIVE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| MICHAEL J BOONE3 | 2607 EVERGREEN WYNDE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE INC. | 600 W. MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $965 | $144 | $1K | 20.68% |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL CONCERN, INC. | 243 | $149K |
| Vision | THE DENTAL CONCERN, INC. | 243 | $149K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 274 | $106K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 274 | $57K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 274 | $41K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 274 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.