| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $112K | $21K | $133K | 15.70% |
| 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 | $591 | $80 | $671 | 3.61% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE, SUITE 201 RALEIGH, NC 27612 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $256 | $0 | $256 | 1.38% |
| LVI BENEFITS SERVICES LLC3 Filed as: LVI BENEFITS SVCS. AND OTHER AGENTS | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $174 | $0 | $174 | 0.94% |
| ASSUREDPARTNERS3 | 2416 SIR BARTON WAY LEXINGTON, KY 40509 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $111 | $8 | $119 | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $0 | $80 | 0.43% |
| DARRELL L PATTON INSURANCE, INC.3 Filed as: DARRELL L. PATTON | PO BOX 925 PRESTONBURG, KY 41653 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 0.37% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.29% |
| THOMAS A MORRIS AND ASSOC INC3 Filed as: THOMAS A. MORRIS AND ASSOC., INC. | 3312 BRIDLINGTON ROAD LEXINGTON, KY 40509 | AFLAC | $454 | $0 | $454 | 3.32% |
| MJ INSURANCE3 Filed as: TYLER DECKER AND VARIOUS AGENTS | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $306 | $0 | $306 | 2.23% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $218 | $0 | $218 | 1.59% |
| LAURA BETH KELLER3 | 445 MADISON POINT DRIVE LEXINGTON, KY 40515 | AFLAC | $189 | $0 | $189 | 1.38% |
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | AFLAC | $118 | $0 | $118 | 0.86% |
| CAREN OSTROWSKI3 | 854 KINGSWAY DRIVE VERSAILLES, KY 40383 | AFLAC | $108 | $0 | $108 | 0.79% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $93 | $0 | $93 | 0.68% |
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 | 1,434 | 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) | 1,434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,434 | $844K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,434 | $844K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,434 | $863K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,434 | $858K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,434 | $844K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,434 | $858K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,434 | — |
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.