| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENBANC INSURANCE INC3 | 600 W MAIN ST STE 400 LOUISVILLE, KY 40202 | HEALTH RESOURCES INC. | $5K | — | $5K | 10.00% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INS INC | 600 WEST MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $8K | 18.00% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE | 600 W MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 10.93% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD STE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $630 | $639 | $1K | 4.02% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $516 | $10 | $526 | 1.67% |
| KRISTIN BENNETT3 | 1462 HAMILTON CT BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $403 | — | $403 | 1.28% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LN GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $195 | $326 | 1.03% |
| CRTX2 LLC3 | 826 ANN MARIE CIR BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | $149 | $313 | 0.99% |
| DEBORAH S GOLDEN3 | 1505 AQUARIUS WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | $6 | $290 | 0.92% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | — | $220 | 0.70% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $34 | $147 | 0.47% |
| RPM BENEFIT ADVISORS LLC3 | 489 ROAD 209 BIG SPRINGS, NE 69122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $2 | $89 | 0.28% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN GOODMAN | 11918 PERRY CROSSING PARKWAY SELLERSBERG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.13% |
| THE LIFE ASSOCIATES INC3 | PO BOX 226 BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.07% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INS INC | 600 WEST MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $433 | $3K | 18.01% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE | 600 W. MAIN STREET #400 LOUISVILLE, KY 40202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $981 | — | $981 | 9.20% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INS INC | 600 WEST MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $316 | $63 | $379 | 18.00% |
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 | 111 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES INC. | 111 | $49K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 110 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $43K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $14K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.