| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LIFE ASSOCIATES INC3 Filed as: LIFE ASSOCIATES INC | 100 W 5TH ST BENTON, KY 42025 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 6.99% |
| KEN BANC INSURANCE3 Filed as: KEN BANC INSURANCE INC | 600 W MAIN ST SUITE 400 LOUISVILLE, KY 40202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.54% |
| THE LIFE ASSOCIATES INC3 | PO BOX 226 BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 8.81% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $341 | $2K | 4.92% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $409 | $65 | $474 | 1.53% |
| CARRIE CATHEY3 | PO BOX 226 BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.09% |
| THE LIFE ASSOCIATES INC3 Filed as: LIFE ASSOCIATES INC | PO BOX 226 BENTON, KY 42025 | THE DENTAL CONCERN, INC. | $1K | — | $1K | 9.38% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE DENTAL CONCERN, INC. | 112 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 102 | $65K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 102 | $65K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 102 | $65K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 102 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.