| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 7.20% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $116 | $2K | 2.15% |
| JEFFREY D HARNED3 Filed as: JEFFREY D. HARNED | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $734 | $571 | $1K | 1.83% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM JACK MITCHELL JR. | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $907 | $196 | $1K | 1.54% |
| AXEL H HALVARSON3 Filed as: AXEL H. HALVARSON | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $937 | $69 | $1K | 1.41% |
| SANDRA S DOUGHERTY3 Filed as: SANDRA S. DOUGHERTY | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $216 | $0 | $216 | 0.30% |
| MJ INSURANCE3 Filed as: DIANE M. JARBOE AND VARIOUS AGENTS | 3013 APACHE DRIVE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $8 | $73 | 0.10% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40223 | THE GUARDIAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 14.89% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 107 | $56K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 107 | $56K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 107 | $127K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 75 | $71K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 107 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.