| 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 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $3K | $18K | 18.00% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE, INC. | 600 W. MAIN STREET, STE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $9K | 18.00% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE INC. | 600 W. MAIN STREET, STE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.00% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE | 600 W. MAIN ST, STE 400 LOUISVILLE, KY 40202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 10.27% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $844 | — | $844 | 2.49% |
| JEFFREY D HARNED3 Filed as: JEFFREY HARNED | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $437 | $374 | $811 | 2.39% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM MITCHELL JR. | 920 S. ASH ST N. PLATTE, NE 69101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $311 | $107 | $418 | 1.23% |
| LES BILODEAU3 | 7500 TURNER RIDGE RD CRESTWOOD, KY 40014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $173 | $205 | $378 | 1.12% |
| FRANKIE GLEE WILLIAMS3 Filed as: FRANKIE WILLIAMS | 206 HURRICANE SHORES RD SCOTTSVILLE, KY 42164 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $204 | — | $204 | 0.60% |
| LIG BENEFITS LLC3 Filed as: LIG BENEFITS, LLC | 4302 DARBROOK RD LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $150 | $12 | $162 | 0.48% |
| TED BENNETT3 | 1830 DESTINY LN BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 0.43% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH GOLDEN | 1830 DESTINY LN BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $146 | — | $146 | 0.43% |
| SANDRA S DOUGHERTY3 Filed as: SANDRA DOUGHTERY | 4302 DARBROOK RD LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $19 | $55 | 0.16% |
| MARY DUFF3 | 1005 RICHMOND RD LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE RD LEXINGTON, KY 40504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE INC. | 600 W. MAIN STREET, STE 400 LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $2K | — | $2K | 9.06% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE, INC. | 600 W. MAIN STREET, STE 400 LOUISVILLE, KY 40202 | DELTA VISION BY DELTA DENTAL OF KENTUCKY | $615 | — | $615 | 7.57% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE INC. | 600 W. MAIN STREET, STE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $648 | $130 | $778 | 18.02% |
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 | 311 | 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) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY INC. | 297 | $28K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 258 | $98K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 249 | $49K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $35K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 298 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.