| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | BAPTIST HEALTH PLAN | $30K | — | $30K | 2.18% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 2.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4000 SMITH ROAD CINCINNATI, OH 45209 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $146 | $2K | 4.22% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.81% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $299 | $170 | $469 | 1.15% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM JACK MITCHELL JR. | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $366 | $74 | $440 | 1.08% |
| MARY DUFF3 | 176 PASADENA DRIVE LEXINGTON, KY 40503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $197 | $110 | $307 | 0.76% |
| VANCE NEAL MICHAEL3 | 176 PASADENA DRIVE LEXINGTON, KY 40503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $174 | $107 | $281 | 0.69% |
| SANDRA S DOUGHERTY3 Filed as: SANDRA S DOUGHERTT | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $241 | $36 | $277 | 0.68% |
| RONDA W. SCHELL3 Filed as: RONDA W SCHELL | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $225 | $38 | $263 | 0.65% |
| JORDAN CHRISTIAN DOEPKE3 | 1435 CHRSITY AVENUE LOUISVILLE, KY 40204 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $261 | — | $261 | 0.64% |
| SELENA JONES3 | 3904 BLOOMING SPRING COURT LOUISVILLE, KY 40299 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $237 | — | $237 | 0.58% |
| PAMELA J GATTI3 | 892 COLTSFOOT TRACE PROSPECT, KY 40059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 0.45% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 0.42% |
| MARSHA CLARKSON3 | 6311 FAIRPLAY ROAD COLUMBIA, KY 42728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $171 | — | $171 | 0.42% |
| MICHAEL J BOONE3 | 1302 CLEAR SPRINGS TRACE LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.21% |
| MARGARET M GRAHAM3 | 200 CROOKED CREEK DRIVE ONEIDA, TN 37841 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.21% |
| NORMA J DAVIS3 | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.14% |
| CAMERON LEE NICHOLS3 | 951 COOPER DRIVE LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.13% |
| BENEFITS INSURANCE MARKETING3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $370 | $4K | 11.08% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NL INSURANCE MARKET | 2305 RIVER ROAD SUITE 300 LOUISVILLE, KY 40206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $326 | $326 | 0.95% |
| BENEFITS INSURANCE MARKETING3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $327 | $3K | 9.29% |
| ASSURED NL INSURANCE AGENCY, INC.3 Filed as: ASSURED NL INSURANCE AGENCY | 2305 RIVER ROAD SUITE 300 LOUISVILLE, KY 40206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $285 | $285 | 0.96% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.96% |
| BENEFITS INSURANCE MARKETING3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $139 | $2K | 16.07% |
| ASSURED NL INSURANCE AGENCY, INC.3 Filed as: ASSURED NL INSURANCE AGENCY | 2305 RIVER ROAD SUITE 300 LOUISVILLE, KY 40206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $128 | $128 | 0.99% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $789 | $41 | $830 | 15.79% |
| ASSURED NL INSURANCE AGENCY, INC.3 Filed as: ASSURED NL INSURANCE AGENCY | 2305 RIVER ROAD SUITE 300 LOUISVILLE, KY 40206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $36 | $36 | 0.68% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BAPTIST HEALTH PLAN | 355 | $1.4M |
| Dental | DELTA DENTAL OF KENTUCKY | 363 | $81K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 364 | $23K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $34K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $13K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 182 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.