| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 100 EAST RIVERCENTER BOULEVARD SUITE 800 COVINGTON, KY 41011 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $22K | $0 | $22K | 2.28% |
| ASSUREDPARTNERS3 | 2211 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $9K | $0 | $9K | 15.48% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $10 | $1K | 3.51% |
| JEFFREY D HARNED3 Filed as: JEFFREY D. HARNED | 13117 EASPOINT PARK BOULVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $401 | $448 | $849 | 2.32% |
| LIG BENEFITS LLC3 Filed as: LIG BENEFITS, LLC | 11918 PERRY CROSSING PARKWAY SELLERSBERG, IN 47172 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $767 | $37 | $804 | 2.19% |
| VICKIE E LEWIS3 Filed as: VICKIE E. LEWIS | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $685 | $0 | $685 | 1.87% |
| LESLIE ANN FEATHERLY3 Filed as: LESLIE ANN FEATHERLY & OTHER AGENTS | 3022 HELENA ROAD FLEMINSBURG, KY 41041 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $622 | $36 | $658 | 1.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE, GREENSBORO, NC 27409 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $499 | $0 | $499 | 1.36% |
| BILODEAU INC3 Filed as: BILODEAU, INC. | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $205 | $213 | $418 | 1.14% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.65% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 115 | $952K |
| Dental | DELTA DENTAL OF KENTUCKY | 121 | $56K |
| Vision | DELTA DENTAL OF KENTUCKY | 121 | $56K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 85 | $28K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 47 | $37K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 115 | $952K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 85 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.