| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC | $49K | $6K | $55K | 4.22% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 18.90% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $1K | $10K | 14.80% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $6K | 8.27% |
| SANDRA S DOUGHERTY3 | 4302 DARBROOK RD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $549 | $3K | 4.68% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $234 | $3K | 3.82% |
| WILLIAM JACK MITCHELL JR3 | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $611 | $2K | 3.32% |
| GARRETT-STOTZ COMPANY3 Filed as: GARRETT-STOTZ | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | KANSAS CITY LIFE INSURANCE COMPANY | $5K | — | $5K | 8.39% |
| JEFFREY D HARNED3 | 10508 VENADO DRIVE LOUISVILLE, KY 40291 | KANSAS CITY LIFE INSURANCE COMPANY | $845 | — | $845 | 1.44% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 4.92% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | VISION SERVICE PLAN | $1K | — | $1K | 5.80% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $484 | — | $484 | 15.00% |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 232 | $1.3M |
| Dental | DELTA DENTAL OF KENTUCKY | 341 | $56K |
| Vision | VISION SERVICE PLAN | 186 | $18K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 178 | $70K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 164 | $58K |
| Long-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 164 | $77K |
| Prescription drug | HUMANA HEALTH PLAN, INC | 232 | $1.3M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 178 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.