| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E M FORD & CO LLC3 Filed as: EM FORD AND COMPANY LLC | 600 FREDERICA ST OWENSBORO, KY 42301 | PARAMOUNT DENTAL | $12K | — | $12K | 10.00% |
| E M FORD & CO LLC3 Filed as: E M FORD AND COMPANY LLC | 600 FREDRICA STREET OWENSBORO, KY 42301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 4.71% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 3.12% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $107 | $2K | 2.08% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $466 | $2K | 1.75% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $629 | $798 | $1K | 1.39% |
| DENNIS E TRAYWICK3 | 6738 FLAT CREEK RD COLLEGE GROVE, TN 37046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $655 | — | $655 | 0.64% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | $9 | $239 | 0.23% |
| BRANDI TAFT3 | 7325 AUTUMN CROSSING WAY BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | — | $239 | 0.23% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 0.19% |
| DIANE MARIE JARBOE3 | 4315 FOEBURN LANE LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | — | $188 | 0.18% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $1 | $156 | 0.15% |
| LIG BENEFITS LLC3 | 4302 DARBROOK RD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $8 | $150 | 0.15% |
| ANGELA MASSARELLI3 Filed as: ANGELA J ZWEERS | 801 DEL RIO PIKE FRANKLIN, TN 37064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.12% |
| BRENDA H BRIDGES3 Filed as: BRENDA BRIDGES | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.11% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.09% |
| SHEILA A SHELL3 | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| E M FORD & CO LLC3 Filed as: EM FORD AND COMPANY LLC | 600 FREDERICA ST OWENSBORO, KY 42301 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 7.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 ADMIN | Claims processing; Other services; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $223K |
| INGENIORX, INC. EIN 82-3062245 ADMIN | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue Service code 12 | — | -$37K |
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 | 290 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 338 | $115K |
| Vision | PARAMOUNT DENTAL | 338 | $115K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 445 | $51K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 133 | $103K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 445 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.