| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 11.34% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 7.21% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $725 | $2K | 2.23% |
| WILLIAM JACK MITCHELL JR3 | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $423 | $2K | 1.92% |
| DIANE MARIE JARBOE3 | 3013 APACHE DRIVE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $862 | $152 | $1K | 1.19% |
| LES BILODEAU3 | 7500 TURNER RIDGE ROAD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $668 | $886 | 1.04% |
| SANDRA S DOUGHERTY3 | 4302 DARBROOK RD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $542 | $67 | $609 | 0.72% |
| PAM PORTER3 | 1201 LAMON CHAPEL RD JASPER, AL 35503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $597 | — | $597 | 0.70% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $376 | $22 | $398 | 0.47% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 4.48% |
| GARRETT-STOTZ COMPANY3 Filed as: GARRETT-STOTZ | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | KANSAS CITY LIFE INSURANCE COMPANY | $5K | — | $5K | 8.07% |
| NORTH AMERICAN BENEFITS COMPANY3 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | — | $2K | $2K | 3.43% |
| JEFFREY D HARNED3 | 10508 VENADO DRIVE LOUISVILLE, KY 40291 | KANSAS CITY LIFE INSURANCE COMPANY | $939 | — | $939 | 1.57% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 11.34% |
| RTR AL CORP3 Filed as: RTR AI CORP | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $568 | $4K | 7.08% |
| WILLIAM JACK MITCHELL JR3 | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $584 | $162 | $746 | 1.49% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $423 | $217 | $640 | 1.28% |
| LES BILODEAU3 | 7500 TURNER RIDGE ROAD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $308 | $412 | 0.82% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $4 | $47 | 0.09% |
| CHRISTY HACKER3 | 2605 FRANKLIN AVE LOUISVILLE, KY 40216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $1 | $22 | 0.04% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVENUE LOUISVILLE, KY 402996338 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVE LOUISVILLE, KY 402996338 | VISION SERVICE PLAN | $1K | — | $1K | 5.74% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVENUE LOUISVILLE, KY 402996338 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
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 | 383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 329 | $69K |
| Vision | VISION SERVICE PLAN | 175 | $18K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 366 | $143K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 180 | $60K |
| Long-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 180 | $89K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 366 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.