| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 5.48% |
| VICKI R. WILLIAMS3 | 2604 EL PATIO PLACE, APARTMENT 307 LOUISVILLE, KY 40220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $0 | $250 | 4.12% |
| VANCE NEAL MICHAEL3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.92% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M. BENNETT | PO BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.66% |
| MARY DUFF3 Filed as: MARY DUFF AND OTHER AGENTS | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.61% |
| RALPH E MYERS3 Filed as: RALPH E. MYERS | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.45% |
| MICHAEL J BOONE3 Filed as: MICHAEL J. BOONE | 1302 CLEAR SPRINGS TERRACE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.28% |
| BRIAN K TAYLOR3 Filed as: BRIAN K. TAYLOR | 1400 NORTHWIND ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.20% |
| SPECIALTY BROKERAGE SERVICES3 | 570 POLARIS PARKWAY, SUITE 500 WESTERVILLE, OH 43802 | FEDERAL INSURANCE COMPANY | $555 | $0 | $555 | 14.99% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 288 | $54K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 215 | $13K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $83K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $79K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.