| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $81 | $5K | 8.00% |
| AXEL H HALVARSON3 Filed as: AXEL H. HALVARSON | 13117 EASPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $122 | $1K | 2.19% |
| JEFFREY D HARNED3 Filed as: JEFFREY D. HARNED | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $781 | $330 | $1K | 1.88% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM JACK MITCHELL, JR. | 920 SOUTH ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $817 | $158 | $975 | 1.65% |
| LIG BENEFITS LLC3 Filed as: LIG BENEFITS, LLC AND OTHER AGENTS | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $392 | $36 | $428 | 0.73% |
| RTR AL CORP3 Filed as: RTR AL CORPORATION | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $397 | $0 | $397 | 0.67% |
| SONIA ELIZA ROBINSON3 | 624 SEVEN OAKS LANE IRVINGTON, KY 40146 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $376 | $0 | $376 | 0.64% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 15.05% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 108 | $52K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 108 | $52K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 108 | $111K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 65 | $59K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 108 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.