| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY D HARNED3 Filed as: JEFFREY D. HARNED | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $60 | $2K | 2.50% |
| ASSUREDPARTNERS3 | 2325 GREEN VALLEY ROAD NEW ALBANY, IN 47150 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $7 | $2K | 2.49% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM JACK MITCHELL JR. | 920 SOUTH ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $845 | $11 | $856 | 0.95% |
| LIG BENEFITS LLC3 Filed as: LIG BENEFITS, LLC | 4302 DARBROOK ROAD LOUISVILLE, KS 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $499 | $6 | $505 | 0.56% |
| MJ INSURANCE3 Filed as: DIANE M. JARBOE AND VARIOUS AGENTS | 4315 FOEBURN LANE LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $416 | $4 | $420 | 0.47% |
| RTR AL CORP3 Filed as: RTR AL CORPORATION | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $289 | $0 | $289 | 0.32% |
| AXEL H HALVARSON3 Filed as: AXEL H. HALVARSON | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $250 | $0 | $250 | 0.28% |
| ASSUREDPARTNERS3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | SYMETRA LIFE INSURANCE COMPANY | $5K | $265 | $6K | 15.75% |
| ASSUREDPARTNERS3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $0 | $0 | $0 | 0.00% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUSIVILLE, KY 40206 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $901 | $0 | $901 | 9.96% |
| ASSUREDPARTNERS3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | $0 | $48K | — |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 131 | $0 |
| Dental | DELTA DENTAL OF KENTUCKY | 194 | $35K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 167 | $9K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 153 | $36K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 84 | $90K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 131 | $0 |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 153 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.