| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENNETT & BAYS INSURANCE SERVICES3 | 1516 LOUISVILLE ROAD FRANKFORT, KY 40601 | HUMANA HEALTH PLAN, INC. | $55K | — | $55K | 4.00% |
| BENNETT & BAYS INSURANCE SERVICES3 | 1516 LOUISVILLE ROAD FRANKFORT, KY 40601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.10% |
| MEDLINK INC3 Filed as: MEDLINK, INC. | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $648 | — | $648 | 5.00% |
| BENNETT & BAYS INSURANCE SERVICES3 | 1516 LOUISVILLE ROAD FRANKFORT, KY 40601 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 10.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M BENNETT | PO BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $627 | — | $627 | 6.69% |
| ROBERT BAYS3 | 1516 LOUISVILLE ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $330 | — | $330 | 3.52% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $41 | $140 | 1.49% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $5 | $66 | 0.70% |
| FARMERS CAPITAL INSURANCE CORP3 | PO BOX 309 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.36% |
| BART GAUNT3 | 4021 ST GERMAINE COURT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.36% |
| JAMES EDWARD CAUDILL3 | 776 MALIBU DRIVE LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.28% |
| WILLIAM S HEDRICK3 | 264 OLD FLEMINGSBURG ROAD MOREHEAD, KY 40351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.10% |
| MARK HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.06% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| RICHARD RAMEY3 Filed as: RICHARD THARRINGTON | 1053 BULLARD COURT RALEIGH, NC 27615 | 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 | $1K | — | $1K | 15.00% |
| BENNETT & BAYS INSURANCE SERVICES3 | 1516 LOUISVILLE ROAD FRANKFORT, KY 40601 | THE DENTAL CONCERN, INC. | $205 | — | $205 | 3.99% |
| BENNETT & BAYS INSURANCE SERVICES3 | 1516 LOUISVILLE ROAD FRANKFORT, KY 40601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $247 | — | $247 | 10.01% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 151 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $13K |
| Vision | THE DENTAL CONCERN, INC. | 151 | $5K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $2K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 157 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.