| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 427 BENTON, KY 420250427 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $6K | $12K | 1.42% |
| THE LIFE ASSOCIATES INC3 | 100 W 5TH ST BENTON, KY 42025 | PARAMOUNT DENTAL | $4K | — | $4K | 9.18% |
| KENBANC INSURANCE INC3 | 600 W MAIN ST STE 400 LOUISVILLE, KY 40202 | PARAMOUNT DENTAL | $400 | — | $400 | 0.82% |
| THE LIFE ASSOCIATES INC3 | PO BOX 226 BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.73% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $673 | $103 | $776 | 2.73% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE | 600 W MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $498 | — | $498 | 1.75% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD STE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | $145 | $391 | 1.38% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | $9 | $334 | 1.18% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LN STE 101 BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | $30 | $279 | 0.98% |
| CRTX2 LLC3 | 826 ANN MARIE CIR BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $172 | $207 | 0.73% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $27 | $136 | 0.48% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LN GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $48 | $129 | 0.45% |
| MEGAN GOODMAN3 | 11918 PERRY CROSSING PARKWAY SELLERSBERG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 0.33% |
| LIG BENEFITS LLC3 | 11918 PERRY CROSSING PARKWAY SELLERSBERG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.30% |
| LIFE ASSOC INC3 | 100 W 5TH ST BENTON, KY 42025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.25% |
| LIFE ASSOC INC3 | 100 W 5TH ST BENTON, KY 42025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.16% |
| LIFE ASSOC INC3 | 100 W 5TH ST BENTON, KY 42025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.23% |
| LIFE ASSOC INC3 | 100 W 5TH ST BENTON, KY 42025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.16% |
| THE LIFE ASSOCIATES INC3 | 100 WEST 5TH STREET BENTON, KY 42025 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $819 | — | $819 | 9.16% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE | 600 WEST MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 97 | $823K |
| Dental | PARAMOUNT DENTAL | 108 | $49K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 107 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $13K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 102 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.