| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD, SUITE 300 LOUISVILLE, KY 40206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 5.00% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $8K | — | $8K | 13.78% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $283 | — | $283 | 2.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 4000 SMITH ROAD CINCINNATI, OH 45209 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $641 | $31 | $672 | 6.89% |
| MJ INSURANCE3 Filed as: MICHAEL J. BOONE AND VARIOUS AGENTS | 1302 CLEAR SPRINGS TRACE LOUISVILLE, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $184 | $18 | $202 | 2.07% |
| SANDRA S DOUGHERTY3 Filed as: SANDRA S. DOUGHERTY | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $140 | $23 | $163 | 1.67% |
| COURTLANN M ATKINSON3 Filed as: COURTLANN M. ATKINSON | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $145 | — | $145 | 1.49% |
| JEFFREY D HARNED3 Filed as: JEFFREY D. HARNED | 13117 EASTPOINT PARK DRIVE LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $42 | $106 | 1.09% |
| MARSHA CLARKSON3 | 6311 FAIRPLAY ROAD COLUMBIA, KY 42728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.93% |
| VICKIE E LEWIS3 Filed as: VICKIE E. LEWIS | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.86% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 237 | $58K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 183 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $118K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $118K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $118K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.