| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $110K | $15K | $125K | 14.98% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 COCKEYSVILLE, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 3.00% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $588 | $17 | $605 | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE, SUITE 201 RALEIGH, NC 27612 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $330 | $0 | $330 | 1.64% |
| LVI BENEFITS SERVICES LLC3 Filed as: LVI BENF SVCS LLC AND OTHER AGENTS | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $212 | $0 | $212 | 1.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $96 | $0 | $96 | 0.48% |
| ASSUREDPARTNERS3 | 2416 SIR BARTON WAY LEXINGTON, KY 40509 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $91 | $0 | $91 | 0.45% |
| DARRELL L PATTON INSURANCE, INC.3 Filed as: DARRELL L. PATTON | PO BOX 925 PRESTONSBURG, KY 41653 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 0.38% |
| DEE ANN SLADE3 Filed as: DEE ANNE SLADE | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.31% |
| THOMAS A MORRIS AND ASSOC INC3 Filed as: THOMAS A. MORRIS AND ASSOC., INC. | 2322 PATCHEN WILKES DRIVE LEXINGTON, KY 40509 | AFLAC | $515 | $0 | $515 | 3.04% |
| MJ INSURANCE3 Filed as: TYLER DECKER AND VARIOUS AGENTS | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $368 | $0 | $368 | 2.17% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $267 | $0 | $267 | 1.57% |
| LAURA BETH KELLER3 | 445 MADISON POINT DRIVE LEXINGTON, KY 40515 | AFLAC | $225 | $0 | $225 | 1.33% |
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | AFLAC | $126 | $0 | $126 | 0.74% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $114 | $0 | $114 | 0.67% |
| CAREN OSTROWSKI3 | 2551 CRUSADERS WAY LEXINGTON, KY 40509 | AFLAC | $94 | $0 | $94 | 0.55% |
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 | 1,322 | 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) | 1,322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,322 | $835K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,322 | $835K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,322 | $855K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,322 | $852K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,322 | $835K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,322 | $852K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,322 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.