| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF KY INC WEST | 11714 MAIN STREET MIDDLETOWN, KY 40243 | HUMANA | $74K | — | $74K | 11.23% |
| REISERT & ASSOCIATES INC3 Filed as: REISERT & ASSOCIATES | 1700 UPS DR, STE 105 LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $21K | — | $21K | 9.99% |
| REISERT & ASSOCIATES INC Filed as: REISERT & ASSOCIATES | 1700 UPS DR, STE 105 LOUISVILLE, KY 40223 | RELIANCE STANDARD LIFE INSURANCE CO | $37K | — | $37K | 18.89% |
| REISERT & ASSOCIATES INC Filed as: REISERT & ASSOCIATES | 1700 UPS DR, STE 105 LOUISVILLE, KY 40223 | RELIANCE STANDARD LIFE INSURANCE CO | $20K | — | $20K | 18.90% |
| DRURY GROUP, INC Filed as: DRURY & COMPANY | PO BOX 869 FRANKLIN, TN 370650869 | AMERICAN HERITAGE LIFE INSURANCE | $7K | — | $7K | 15.61% |
| GREEN & HALLIBURTON INC Filed as: GREEN & ASSOCIATES | 521 BARRET AVE LOUISVILLE, KY 40204 | AMERICAN HERITAGE LIFE INSURANCE | — | — | $0 | 0.00% |
| MEDLINK INC | PO BOX 23570 LOUISVILLE, KY 40223 | HUMANA (VISION) | $6K | — | $6K | 14.00% |
| REISERT & ASSOCIATES INC Filed as: REISERT & ASSOCIATES | 1700 UPS DR, STE 105 LOUISVILLE, KY 40223 | RELIANCE STANDARD LIFE INSURANCE CO | $1K | — | $1K | 18.72% |
| REISERT & ASSOCIATES INC Filed as: REISERT & ASSOCIATES | 1700 UPS DR LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $38 | — | $38 | 1.64% |
| MICHAEL J BOONE Filed as: MICHAEL BOONE | 1302 CLEAR SPRINGS TRACE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $29 | — | $29 | 1.25% |
| JEFFREY D HARNED Filed as: JEFFREY HARNED | 13117 EASTPOINT PARK BLVD. LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $23 | — | $23 | 1.00% |
| TED BENNETT | 1830 DESTINY LANE LOUISVILLE, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $10 | — | $10 | 0.43% |
| WILLIAM JACK MITCHELL JR Filed as: WILLIAM JACK MITCHELL | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $7 | — | $7 | 0.30% |
| LISA GRAVES | 1400 GLENNS CREEK RD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $6 | — | $6 | 0.26% |
| VICKIE E LEWIS Filed as: VICKIE LEWIS | 6558 STOVALL RD LOUISVILLE, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $3 | — | $3 | 0.13% |
| SHOLANDA JANE ALLEN | 432 EDGEWOOD DR. MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $3 | — | $3 | 0.13% |
| MARK HOLLAND | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2 | — | $2 | 0.09% |
| REISERT & ASSOCIATES INC Filed as: REISERT & ASSOCIATES | 1700 UPS DR LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $31 | — | $31 | 1.80% |
| MICHAEL J BOONE Filed as: MICHAEL BOONE | 1302 CLEAR SPRINGS TRACE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $28 | — | $28 | 1.62% |
| LISA GRAVES | 1400 GLENNS CREEK RD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $15 | — | $15 | 0.87% |
| TED BENNETT | 1830 DESTINY LANE BOWLING GREEN, KY 42304 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $11 | — | $11 | 0.64% |
| SHOLANDA JANE ALLEN | 432 EDGEWOOD DR. MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $10 | — | $10 | 0.58% |
| JEFFREY D HARNED Filed as: JEFFREY HARNED | 13117 EASTPOINT PARK BLVD. LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $9 | — | $9 | 0.52% |
| DEE ANN SLADE | 104 PONTOMAC CT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $8 | — | $8 | 0.46% |
| WILLIAM JACK MITCHELL JR Filed as: WILLIAM JACK MITCHELL | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $3 | — | $3 | 0.17% |
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 | 485 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA | 409 | $706K |
| Dental | DELTA DENTAL OF KENTUCKY | 724 | $207K |
| Vision | HUMANA (VISION) | 313 | $45K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE CO | 513 | $198K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO | 513 | $107K |
| Stop-loss / reinsurancereinsurance | HUMANA | 409 | $659K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE CO | 519 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 724 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.