| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENBANC INSURANCE INC3 | 600 WEST MAIN STREET LOUISVILLE, KY 40202 | DELTA DENTAL OF KENTUCKY | $0 | — | $0 | 0.00% |
| KENBANC INSURANCE INC3 | 600 WEST MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $6K | $25K | 18.42% |
| GREEN & HALLIBURTON INC3 | 521 BARRET AVENUE LOUISVILLE, KY 40204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $334 | $2K | 1.48% |
| KENBANC INSURANCE INC3 | 600 WEST MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $3K | $12K | 18.43% |
| GREEN & HALLIBURTON INC3 | 521 BARRET AVENUE LOUISVILLE, KY 40204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $828 | $166 | $994 | 1.56% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE | 600 WEST MAIN STREET LOUISVILLE, KY 40202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 9.89% |
| LIG BENEFITS LLC3 | 10007 IVYBRIDGE CIRCLE LOUISVILLE, KY 40241 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $117 | $1K | 3.25% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $531 | $437 | $968 | 2.42% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $306 | $476 | $782 | 1.96% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $612 | $0 | $612 | 1.53% |
| WILLIAM JACK MITCHELL JR3 | 920 SOUTH ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $385 | $127 | $512 | 1.28% |
| GREEN & HALLIBURTON INC3 | 521 BARRET AVENUE LOUISVILLE, KY 40204 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $158 | $0 | $158 | 0.40% |
| FRANKIE GLEE WILLIAMS3 | 206 HURRICANE SHORES ROAD SCOTTSVILLE, KY 42164 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $136 | $0 | $136 | 0.34% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $110 | $0 | $110 | 0.28% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.27% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.04% |
| BENEFIT INS MARKETING INC3 Filed as: BENEFIT INS MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.04% |
| KENBANC INSURANCE INC3 | 600 WEST MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 18.60% |
| GREEN & HALLIBURTON INC3 | 521 BARRET AVENUE LOUISVILLE, KY 40204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $474 | $95 | $569 | 1.48% |
| KENBANC INSURANCE INC3 | 600 WEST MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | DELTA VISION BY DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 9.90% |
| KENBANC INSURANCE INC3 | 600 WEST MAIN STREET SUITE 400 LOUISVILLE, KY 40204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $769 | $265 | $1K | 18.55% |
| GREEN & HALLIBURTON INC3 | 521 BARRET AVENUE LOUISVILLE, KY 40204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $67 | $13 | $80 | 1.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY EIN 61-1237516 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $65K |
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 | 326 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 515 | $139K |
| Vision | DELTA VISION BY DELTA DENTAL OF KENTUCKY | 378 | $30K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 326 | $135K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 301 | $64K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $39K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY | 431 | $113K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 360 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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.