| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETTER SOURCE BENEFIT COMPANY INC3 Filed as: BETTER SOURCE BENEFIT CO INC | 340 CLIFTY ST STE 4 SOMERSET, KY 42501 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.45% |
| BETTER SOURCE BENEFIT COMPANY INC3 Filed as: BETTER SOURCE BENEFIT CO INC | 340 CLIFTY ST STE 4 SOMERSET, KY 42501 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 4.00% |
| JUDY STEVENS3 | 2132 LEAFLAND PL LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $269 | $9K | 14.54% |
| BETTER SOURCE BENEFIT COMPANY INC3 Filed as: BETTER SOURCE BENEFIT CO INC | 340 CLIFTY ST STE 4 SOMERSET, KY 42501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 14.47% |
| MIKE TERRY3 | 1505 CASPER CT LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $692 | $26 | $718 | 1.12% |
| MARGARET C TERRY3 | 1505 CASPER CT LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $317 | $26 | $343 | 0.54% |
| MARY DUFF3 | 1005 RICHMOND RD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.29% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE RD STE 1004 LOUISVILLE, KY 40222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.09% |
| VANCE NEAL MICHAEL3 | 2525 SPRING VALLEY LOOP LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.09% |
| JOHN D CLAY3 | 340 CLIFTY ST STE 4 SOMERSET, KY 42501 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 17.96% |
| LIFETIME FINANCIAL GROWTH CO OF OHI3 | 38 PLUM STREET STE 100 CINCINNATI, OH 45202 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.69% |
| BETTERSOURCE BENEFITS COMPANY3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $13K | — | $13K | 500.08% |
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 | 234 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN AMERICAN LIFE INSURANCE COMPANY | 179 | $224K |
| Dental | DELTA DENTAL OF KENTUCKY | 272 | $74K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 441 | $127K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 441 | $127K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 95 | $82K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 441 | $127K |
| Stop-loss / reinsurancereinsurance | PAN AMERICAN LIFE INSURANCE COMPANY | 179 | $224K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 95 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.