| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC Filed as: FIRST INS GROUP PROPERTY & CASUALTY | PO BOX 1630 SOMERSET, KY 42502 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 1.33% |
| INSGROUP INC Filed as: FIRST INSURANCE GROUP FRANKFORT, IN | PO BOX 1630 SOMERSET, KY 42502 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 0.67% |
| INSGROUP INC Filed as: FIRST INSURANCE GROUP FRANKFORT | PO BOX 1630 SOMERSET, KY 42502 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 4.98% |
| INSGROUP INC Filed as: FIRST INSURANCE GROUP FRANKFORT | 2520 S HWY 27 SOMERSET, KY 42501 | THE GUARDIAN LIFE INSURANCE COMPANY OG AMERICA | $3K | $0 | $3K | 6.69% |
| INSGROUP INC Filed as: FIRST INSURANCE GROUP FRANKFORT | PO BOX 1630 SOMERSET, KY 42502 | DELTA DENTAL OF KENTUCKY | $982 | — | $982 | 4.98% |
| INSGROUP INC Filed as: FIRST INSURANCE GROUP FRANKFORT | 1510 LOUSIVLLE ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 10.24% |
| KARL PATRICK LEE | 381 JOHNNY DRIVE #A SCIENE HILL, KY 42553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $719 | — | $719 | 4.67% |
| MIKE TERRY | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $171 | $343 | 2.23% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES M BENNETT | PO BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | — | $284 | 1.84% |
| MARGARET C TERRY Filed as: MARGARET C. TERRY | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $24 | $136 | 0.88% |
| DILLARD DURAN SPARKMAN | 99 ROYAL MELBOURNE LANE JENKINS, KY 41537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.38% |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP, INC. | 4021 ST GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| CSO | 1212 N 96TH STREET OMAHA, NE 68114 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $30 | — | $30 | 3.68% |
| FARMERS CAPITAL INSURANCE CORP | 22 W MAIN ST, STE 100 FRANKFORT, KY 40601 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $22 | — | $22 | 2.70% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 81 | $887K |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF KENTUCKY | 394 | $112K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OG AMERICA | 196 | $40K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OG AMERICA | 196 | $57K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OG AMERICA | 196 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.