| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENNET AND BAYS INS. SERVICES LLC3 | 106-2 SAINT JAMES COURT FRANKFORT, KY 40601 | HUMANA HEALTH PLAN, INC. | $21K | $129 | $21K | 2.05% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | HUMANA HEALTH PLAN, INC. | $21K | $732 | $21K | 2.05% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 10.90% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M. BENNETT | PO BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $477 | $0 | $477 | 5.61% |
| STEVE A CALVERT3 Filed as: STEVE A. CALVERT | 103 MAIN STREET SHARPSBURG, KY 40374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $1 | $71 | 0.84% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $2 | $57 | 0.67% |
| MARGARET C TERRY3 Filed as: MARGARET C. TERRY | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.40% |
| FARMERS CAPITAL INSURANCE CORP3 Filed as: FARMERS CAPITAL AND OTHER AGENTS | PO BOX 309 FRANKFORT, KY 40602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.35% |
| JAMES EDWARD CAUDILL3 | 776 MALIBU DRIVE LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.28% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS GROUP INC. | 4021 SAINT GERMAINE COURT LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.25% |
| BENNET AND BAYS INS. SERVICES LLC3 | 106-2 SAINT JAMES COURT FRANKFORT, KY 40601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $625 | $0 | $625 | 13.92% |
| BENNET AND BAYS INS. SERVICES LLC3 | 106-2 SAINT JAMES COURT FRANKFORT, KY 40601 | THE DENTAL CONCERN, INC. | $86 | $0 | $86 | 2.03% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | THE DENTAL CONCERN, INC. | $84 | $0 | $84 | 1.98% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 126 | $1.0M |
| Vision | THE DENTAL CONCERN, INC. | 125 | $4K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 148 | $18K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 126 | $1.0M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 148 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
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.