| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENNETT & BAYS INSURANCE SERVICES3 | 1516 LOUISVILLE ROAD FRANKFORT, KY 40601 | BAPTIST HEALTH PLAN | $38K | — | $38K | 2.77% |
| BENNETT & BAYS INSURANCE SERVICES3 | 1516 LOUISVILLE ROAD FRANKFORT, KY 40601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.06% |
| BENNETT & BAYS INSURANCE SERVICES3 | 1516 LOUISVILLE ROAD FRANKFORT, KY 40601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $826 | $4K | 28.73% |
| MEDLINK INC3 Filed as: MEDLINK, INC. | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $642 | $642 | 5.00% |
| BENNETT & BAYS INSURANCE SERVICES3 Filed as: BENNETT & BAYS INSURANCE | 1516 LOUISVILLE ROAD FRANKFORT, KY 40601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $942 | — | $942 | 10.43% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M BENNETT | PO BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $478 | — | $478 | 5.87% |
| ROBERT BAYS3 | 1516 LOUISVILLE ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 1.54% |
| MIKE TERRY3 | PO BOX 21729 LOUISVILLE, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $20 | $94 | 1.15% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $8 | $39 | 0.48% |
| FARMERS CAPITAL INSURANCE CORP3 | PO BOX 309 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.47% |
| BART GAUNT3 | 4021 ST GERMAINE COURT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.45% |
| JAMES EDWARD CAUDILL3 | 776 MALIBU DRIVE LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.36% |
| RICHARD RAMEY3 Filed as: RICHARD THARRINGTON | 1053 BULLARD COURT RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| WILLIAM S HEDRICK3 | 264 OLD FLEMINGSBURG ROAD MOREHEAD, KY 40351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| MARK HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.09% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| BENNETT & BAYS INSURANCE SERVICES3 | 1516 LOUISVILLE ROAD FRANKFORT, KY 40601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $511 | — | $511 | 10.00% |
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 | 158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BAPTIST HEALTH PLAN | 159 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $5K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.