| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | HUMANA INSURANCE COMPANY | $57K | $0 | $57K | 4.28% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HUMANA INSURANCE COMPANY | $0 | $10K | $10K | 0.77% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | AMERICAM UNITED LIFE INSURANCE COMPANY | $10K | $9K | $19K | 15.97% |
| ASSUREDPARTNERS3 | 4000 SMITH ROAD CINCINNATI, OH 45209 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $521 | $0 | $521 | 6.71% |
| LIG BENEFITS LLC3 Filed as: LIG BENEFITS, LLC | 4315 FOEBURN LANE LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $154 | $4 | $158 | 2.04% |
| JEFFREY D HARNED3 Filed as: JEFFREY D. HARNED | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $95 | $33 | $128 | 1.65% |
| MJ INSURANCE3 Filed as: MICHAEL BOONE AND VARIOUS AGENTS | 2607 EVERGREEN WYNDE LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $91 | $5 | $96 | 1.24% |
| COURTLANN M ATKINSON3 Filed as: COURTLANN M. ATKINSON | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $93 | $0 | $93 | 1.20% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM JACK MITCHELL, JR. | 920 SOUTH ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $11 | $68 | 0.88% |
| VICKIE E LEWIS3 Filed as: VICKIE E. LEWIS | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.52% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 115 | $1.3M |
| Dental | HUMANA INSURANCE COMPANY | 115 | $1.3M |
| Vision | HUMANA INSURANCE COMPANY | 115 | $1.3M |
| Life insurance | AMERICAM UNITED LIFE INSURANCE COMPANY | 207 | $120K |
| Short-term disability | AMERICAM UNITED LIFE INSURANCE COMPANY | 207 | $120K |
| Long-term disability | AMERICAM UNITED LIFE INSURANCE COMPANY | 207 | $120K |
| Prescription drug | HUMANA INSURANCE COMPANY | 115 | $1.3M |
| Other(2 contracts, 2 carriers) | AMERICAM UNITED LIFE INSURANCE COMPANY | 207 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.