| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN J BYRNE & ASSOCIATES, LLC | 9400 WILLIAMSBURG PLAZA LOUISVILLE, KY 40222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $812 | $7K | 11.72% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD STE LOUISVILE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 7.02% |
| MADISON ELYSE DANIELS3 | 4201 SIMCOE LANE APT 407 LOUISVILLE, KY 40241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $816 | $1K | $2K | 3.18% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $388 | $2K | 2.80% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PARK BLVD STE LOUISVILE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $3 | $1K | 1.94% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $290 | $317 | $607 | 1.01% |
| MARA HARWELL3 | 2804 SMOKE ROAD LOUISVILLE, KY 40220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | $101 | $403 | 0.67% |
| DIANA SALTO VILLASENOR3 | 7300 CRANFILL WAY APT #9 LOUISVILLE, KY 40214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $384 | — | $384 | 0.64% |
| MEGAN GOODMAN3 | 2127 BEELER ST NEW ALBANY, IN 47150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $223 | — | $223 | 0.37% |
| LIG BENEFITS LLC3 | 2127 BEELER ST NEW ALBANY, IN 47150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 0.16% |
| RTR AL CORP3 | 100 PROMENADE CT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $1 | $66 | 0.11% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| AMY S ARNETT3 | 2420 W MOUNT ZION RD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BYRNE INSURANCE GROUP3 | 9401 WILLIAMSBURG PLAZA SUITE 100 LOUISVILLE, KY 40222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN J BYRNE & ASSOCIATES, LLC | 9401 WILLIAMSBURG PLAZA SUITE 100 LOUISVILLE, KY 40222 | THE DENTAL CONCERN, INC. | $4K | $1K | $6K | 12.38% |
| BYRNE INSURANCE GROUP3 | 9401 WILLIAMSBURG PLAZA SUITE 100 LOUISVILLE, KY 40222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 13.84% |
| BYRNE INSURANCE GROUP3 | 9401 WILLIAMSBURG PLAZA SUITE 100 LOUISVILLE, KY 40222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| BYRNE INSURANCE GROUP3 | 9401 WILLIAMSBURG PLAZA SUITE 100 LOUISVILLE, KY 40222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $488 | — | $488 | 14.98% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN J BYRNE & ASSOCIATES, LLC | 9401 WILLIAMSBURG PLAZA SUITE 100 LOUISVILLE, KY 40222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 2.28% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD STE LOUISVILE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 1.50% |
| MEGAN GOODMAN3 | 2127 BEELER ST NEW ALBANY, IN 47150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 1.05% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.91% |
| AXEL H HALVARSON3 Filed as: AXEL HALVARSON | 13117 EASTPOINT PARK BLVD LOUISVILE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.41% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.18% |
| LIG BENEFITS LLC3 | 2127 BEELER ST NEW ALBANY, IN 47150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROUNDSTONE MANAGEMENT REINSURANCE | Insurance services Service code 23 | — | $328K |
| UNIFIED GROUP SERVICES, INC. EIN 35-1973675 ADMIN SERVICES | Claims processing Service code 12 | — | $46K |
| BYRNE INSURANCE GROUP BROKER | Insurance agents and brokers Service code 22 | — | $44K |
| CIGNA ADMIN AND PREFERRED ORG | Claims processing Service code 12 | — | $23K |
| ACTIVE HEALTH MANAGEMENT CARE ENGINE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $3K |
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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL CONCERN, INC. | 110 | $47K |
| Vision | THE DENTAL CONCERN, INC. | 110 | $47K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 218 | $31K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 218 | $51K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 218 | $41K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 218 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
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.