| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INSURANCE AGENCY | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 402234038 | HUMANA HEALTH PLAN, INC. | $74K | $7K | $80K | 4.12% |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INSURANCE AGENCY | 9700 ORMSBY ROAD LOUISVILLE, KY 400234038 | ONEAMERICA | $15K | $4K | $18K | 17.06% |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INSURANCE AGENCY, INC | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 402234038 | THE DENTAL CONCERN, INC. | $5K | $4K | $9K | 8.30% |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INSURANCE AGENCY | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $17 | $2K | 4.60% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $402 | $123 | $525 | 1.45% |
| JAMES FINN3 | 7016 TWIN SPRINGS DRIVE SELLERSBURG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $453 | — | $453 | 1.25% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM JACK MITCHELL | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $365 | $33 | $398 | 1.10% |
| LIG BENEFITS LLC3 | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $4 | $111 | 0.31% |
| DIANE MARIE JARBOE3 | 3013 APACHE DRIVE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 0.29% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $1 | $101 | 0.28% |
| CAROL JEAN EDWARDS3 | 4213 LORIANN BLVD NEW ALBANY, IN 47150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.08% |
| BILODEAU INC3 | 7500 TURNER RIDGE ROAD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $6 | $14 | 0.04% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 174 | $2.0M |
| Dental | THE DENTAL CONCERN, INC. | 151 | $104K |
| Vision | THE DENTAL CONCERN, INC. | 151 | $104K |
| Life insurance | ONEAMERICA | 231 | $107K |
| Short-term disability | ONEAMERICA | 231 | $107K |
| Long-term disability | ONEAMERICA | 231 | $107K |
| Other | ONEAMERICA | 231 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.