| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENBANC INSURANCE INC3 Filed as: KENBANC INS INC | 600 WEST MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $2K | $9K | 20.36% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE | 600 W MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.03% |
| THE LIFE ASSOCIATES INC3 | PO BOX 226 BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $629 | — | $629 | 2.43% |
| LIG BENEFITS LLC3 | 11918 PERRY CROSSING PARKWAY SELLERSBERG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $532 | $26 | $558 | 2.15% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $508 | — | $508 | 1.96% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $251 | $464 | 1.79% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | $85 | $258 | 1.00% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LN GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $112 | $238 | 0.92% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE STE 101 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 0.61% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INS INC | 600 WEST MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $984 | $4K | 20.34% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INS INC | 600 WEST MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $926 | $4K | 20.32% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE | 600 W MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | EYE MED | $1K | — | $1K | 10.01% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INS INC | 600 WEST MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $313 | $115 | $428 | 20.51% |
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 | 105 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYE MED | 103 | $10K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 98 | $43K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 81 | $18K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $17K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 99 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.