| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE RD LEXINGTON, KY 40504 | HUMANA HEALTH PLAN, INC. | $20K | $678 | $21K | 4.14% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE RD LEXINGTON, KY 40504 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 2.81% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE RD LEXINGTON, KY 40504 | HARTFORD LIFE AND ACCIDENT | $2K | $130 | $2K | 10.70% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE RD LEXINGTON, KY 40504 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $300 | $3K | 22.84% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M BENNETT | PO BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | — | $243 | 4.37% |
| MIKE TERRY3 | 1505 CASPER CT LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.61% |
| STEVE A CALVERT3 | 103 MAIN STREET SHARPSBURG, KY 40374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.54% |
| MARGARET C TERRY3 | 1505 CASPER CT LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.32% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS GROUP INC | 4021 ST GERMAINE COURT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.32% |
| FARMERS CAPITAL INSURANCE CORP3 | PO BOX 309 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.31% |
| WILLIAM S HEDRICK3 | 264 OLD FLEMINGSBURG ROAD MOREHEAD, KY 40351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.14% |
| JAMES EDWARD CAUDILL3 | 776 MALIBU DRIVE LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.09% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| BENNETT & BAYS INSURANCE SERVICES3 | 146 CONSUMER LANE FRANKFORT, KY 40601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $304 | — | $304 | 10.01% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE RD LEXINGTON, KY 40504 | THE DENTAL CONCERN, INC. | $68 | $192 | $260 | 15.18% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC. | 204 | $996K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $11K |
| Vision | THE DENTAL CONCERN, INC. | 108 | $2K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 291 | $19K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 291 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.