| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | SYMETRA LIFE INSURANCE COMPANY | $6K | $976 | $7K | 17.55% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 10.00% |
| ASSUREDPARTNERS3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | SYMETRA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 16.92% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | SYMETRA LIFE INSURANCE COMPANY | $0 | $439 | $439 | 2.55% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $202 | $2K | 12.72% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY LOUISVILLE, KY 40222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $738 | $208 | $946 | 12.98% |
| AXEL H HALVARSON3 Filed as: AXEL H. HALVARSON | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $281 | $0 | $281 | 3.86% |
| JEFFREY D HARNED3 Filed as: JEFFREY D. HARNED | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $138 | $81 | $219 | 3.00% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM JACK MITCHELL, JR. | 920 SOUTH ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $124 | $22 | $146 | 2.00% |
| RTR AL CORP3 Filed as: RTR AI CORPORATION | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | 0.59% |
| MEGAN GOODMAN3 | 2127 BEELER STREET NEW ALBANY, IN 47150 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.58% |
| BILODEAU INC3 Filed as: BILODEAU, INC. AND OTHER AGENTS | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $20 | $36 | 0.49% |
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 | 66 | 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) | 66 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 139 | $32K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 66 | $12K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 66 | $51K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 66 | $46K |
| Other(4 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 122 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.