| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 11420 BLUEGRASS PKWY LOUISVILLE, KY 40299 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 3.47% |
| EMERSON REID LLC3 | 1787 SENTRY POKWY W STE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | -$11 | — | -$11 | -0.00% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $16K | $2K | $18K | 16.26% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.44% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $835 | $217 | $1K | 2.32% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $805 | $2 | $807 | 1.78% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NI LLC | PO BOX 1627 OWENSBORO, KY 42302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $740 | — | $740 | 1.63% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $488 | $113 | $601 | 1.33% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $290 | $79 | $369 | 0.82% |
| FRANKIE GLEE WILLIAMS3 | 186 CHAMBERS DRIVE BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $313 | — | $313 | 0.69% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.41% |
| LIG BENEFITS LLC3 | 4315 FOEBURN LANE LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $2 | $133 | 0.29% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.25% |
| VIOLET P COOTS3 | 1410 WHALEN ROAD BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.21% |
| DIANE MARIE JARBOE3 | 4315 FOEBURN LANE LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.10% |
| JEFFREY WANN3 | 513 E EAGLE PASS RD ELIZABETHTOWN, KY 42701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 11420 BLUEGRASS PKWY LOUISVILLE, KY 40299 | PARAMOUNT DENTAL | $5K | — | $5K | 10.00% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 11420 BLUEGRASS PKWY LOUISVILLE, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $324 | — | $324 | 9.68% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $2 | $67 | 2.00% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $3 | $38 | 1.14% |
| FRANKIE GLEE WILLIAMS3 | 186 CHAMBERS DRIVE BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 1.14% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $1 | $28 | 0.84% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.78% |
| LIG BENEFITS LLC3 | 10007 IVYBRIDGE CIRCLE LOUISVILLE, KY 40241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.39% |
| DIANE MARIE JARBOE3 | 4315 FOEBURN LANE LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.18% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.09% |
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. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 199 | $1.1M |
| Dental | PARAMOUNT DENTAL | 174 | $45K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 199 | $1.1M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 180 | $108K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 180 | $108K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 180 | $108K |
| Other(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 180 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.