| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $29K | — | $29K | 4.86% |
| ASSUREDPARTNERS3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | $2K | $2K | 0.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 2325 GREEN VALLEY ROAD NEW ALBANY, IN 47150 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $327 | $4K | 6.75% |
| JEFFREY D HARNED3 Filed as: JEFFREY D. HARNED | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $616 | $3K | 4.41% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM JACK MITCHELL JR. | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $924 | $211 | $1K | 1.74% |
| SANDRA S DOUGHERTY3 Filed as: SANDRA S. DOUGHERTY | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $872 | $94 | $966 | 1.48% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $838 | $65 | $903 | 1.39% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $765 | $80 | $845 | 1.30% |
| LES BILODEAU3 | 7500 TURNER RIDGE ROAD CRESTWOOD, KY 40014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $74 | $100 | 0.15% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 15.04% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 13.55% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILE, KY 40206 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $797 | — | $797 | 9.98% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 180 | $661K |
| Dental | DELTA DENTAL OF KENTUCKY | 187 | $30K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 151 | $8K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 129 | $23K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 105 | $65K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 180 | $661K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 129 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.