| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE INC. | 600 W. MAIN STREET, STE 400 LOUISVILLE, KY 40202 | DELTA DENTAL OF KENTUCKY | $14K | — | $14K | 10.00% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE INC. | 600 W. MAIN STREET, STE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $4K | $18K | 18.82% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE INC. | 600 W. MAIN STREET, STE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $10K | 18.00% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE INC. | 600 W. MAIN STREET, STE 400 LOUISVILLE, KY 40202 | DELTA DENTAL OF KENTUCKY-VISION | $5K | — | $5K | 10.00% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE INC. | 600 W. MAIN STREET, STE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.80% |
| VICKIE E LEWIS3 Filed as: VICKIE LEWIS | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | — | $230 | 2.52% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | — | $221 | 2.42% |
| BILODEAU INC3 Filed as: BILODEAU INC. | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $103 | $187 | 2.05% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 1.37% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE INC. | 600 W. MAIN STREET, STE 400 LOUISVILLE, KY 40202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.99% |
| JEFFREY D HARNED3 Filed as: JEFFREY HARNED | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $27 | $57 | 0.62% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.49% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM MITCHELL JR | 920 S. ASH STREET N. PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $8 | $26 | 0.28% |
| TED BENNETT3 | 1087 ARISTIDES DRIVE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| MICHAEL J BOONE3 Filed as: MICHAEL BOONE | 2607 EVERGREEN WYNDE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| COURTLANN M ATKINSON3 Filed as: COURTLANN ATKINSON | 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, STE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $974 | — | $974 | 18.01% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 392 | $136K |
| Vision | DELTA DENTAL OF KENTUCKY-VISION | 372 | $45K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 254 | $97K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 254 | $54K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 254 | $38K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 323 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.