| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY | $13K | $0 | $13K | 3.88% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | THE DENTAL CONCERN, INC. | $10K | — | $10K | 14.97% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | THE DENTAL CONCERN, INC. | — | $109 | $109 | 0.17% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY LOUISVILLE, KY 40222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $44 | $3K | 4.46% |
| JEFFREY D HARNED3 Filed as: JEFFREY D. HARNED | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $31 | $1K | 1.73% |
| BILODEAU INC3 Filed as: BILODEAU, INC. | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $795 | $178 | $973 | 1.49% |
| WILLIAM JACK MITCHELL JR3 | 920 SOUTH ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $604 | $7 | $611 | 0.94% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN GOODMAN | 11918 PERRY CROSSING PARKWAY SELLERSBERG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $324 | $0 | $324 | 0.50% |
| RTR AL CORP3 Filed as: RTR AI CORP | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | $0 | $245 | 0.38% |
| RPM BENEFIT ADVISORS LLC3 Filed as: RPM BENEFIT ADVISORS, LLC | 489 ROAD 209 BIG SPRINGS, NE 69122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 13101 MAGISTERIAL DRIVE, SUITE 200 LOUISVILLE, KY 40223 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 14.69% |
| STEPHANIE BOLEY4 Filed as: STEPHANIE BOLEY BAKER | 112 VERDANT TRIAL RICHMOND, KY 40475 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $295 | — | $295 | 5.89% |
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 | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 75 | $325K |
| Dental | THE DENTAL CONCERN, INC. | 112 | $66K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 278 | $13K |
| Prescription drug | HUMANA INSURANCE COMPANY | 75 | $325K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 63 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.