| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INSURANCE AGENCY | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $22K | $4K | $26K | 4.63% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 38 FOUNTAIN SQUARE PLAZA CINCINNATI, OH 45263 | THE DENTAL CONCERN, INC. | $5K | $1K | $6K | 12.32% |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INSURANCE AGENCY | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 15.31% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 9.26% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $476 | $2K | 4.30% |
| BILODEAU INC3 | 7500 TURNER RIDGE ROAD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $385 | $1K | 3.28% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $91 | $1K | 3.00% |
| ANNETTE WARNER CALHOUN3 | 1218 AUDUBON PKWY LOUISVILLE, KY 40213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $929 | $81 | $1K | 2.30% |
| LIG BENEFITS LLC3 | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $685 | $59 | $744 | 1.70% |
| REBECCA LYNN ABBOTT3 | 2907 HICKORY LANE LA GRANGE, KY 40031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $376 | $18 | $394 | 0.90% |
| BRYSON TYLER BEACH3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | $46 | $271 | 0.62% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.18% |
| JASON RANKIN3 | 12445 POPLAR WOODS DRIVE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.16% |
| DIANE MARIE JARBOE3 | 4315 FOEBURN LANE LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.13% |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INSURANCE AGENCY | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | — | $169 | 9.05% |
| BRYSON TYLER BEACH3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $13 | $76 | 4.07% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $19 | $68 | 3.64% |
| LIG BENEFITS LLC3 | 4302 DARBROOK RD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $1 | $41 | 2.20% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $7 | $38 | 2.04% |
| BILODEAU INC3 | 7500 TURNER RIDGE ROAD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.37% |
| JASON RANKIN3 | 12445 POPLAR WOODS DRIVE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.16% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 82 | $570K |
| Dental | THE DENTAL CONCERN, INC. | 91 | $50K |
| Vision | THE DENTAL CONCERN, INC. | 91 | $50K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 146 | $89K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 146 | $89K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 146 | $89K |
| Other(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 146 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.