| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 9.94% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $205 | $5K | 5.22% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $912 | $541 | $1K | 1.60% |
| WILLIAM JACK MITCHELL JR3 | 2906 VALLET DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $245 | $1K | 1.47% |
| DIANE MARIE JARBOE3 | 3013 APACHE DRIVE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $693 | $67 | $760 | 0.84% |
| SARAH BARDELL3 | 2132 LIGHTHOUSE LN LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $500 | $20 | $520 | 0.57% |
| LES BILODEAU3 | 7500 TURNER RIDGE ROAD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $334 | $457 | 0.50% |
| SANDRA S DOUGHERTY3 | 4302 DARBROOK RD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $277 | $17 | $294 | 0.32% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | — | $176 | 0.19% |
| DANNY KYLE PRATER3 | PO BOX 281 TOLLESBORO, KY 41189 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $43 | $99 | 0.11% |
| PAM PORTER3 | 1201 LAMON CHAPEL RD JASPER, AL 35503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.06% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVE LOUISVILLE, KY 402996338 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 4.15% |
| GARRETT-STOTZ COMPANY3 Filed as: GARRETT-STOTZ | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | KANSAS CITY LIFE INSURANCE COMPANY | $5K | — | $5K | 8.24% |
| NORTH AMERICAN BENEFITS COMPANY3 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | — | $2K | $2K | 3.46% |
| JEFFREY D HARNED3 | 10508 VENADO DRIVE LOUISVILLE, KY 40291 | KANSAS CITY LIFE INSURANCE COMPANY | $889 | — | $889 | 1.51% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 11.15% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $130 | $3K | 5.95% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $388 | $238 | $626 | 1.30% |
| WILLIAM JACK MITCHELL JR3 | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $514 | $108 | $622 | 1.29% |
| LES BILODEAU3 | 7500 TURNER RIDGE ROAD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $146 | $197 | 0.41% |
| SANDRA S DOUGHERTY3 | 4302 DARBROOK RD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $6 | $38 | 0.08% |
| CHRISTY HACKER3 | 2605 FRANKLIN AVE LOUISVILLE, KY 40216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVE 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 | 5.53% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVE LOUISVILLE, KY 402996338 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 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 | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 335 | $77K |
| Vision | VISION SERVICE PLAN | 190 | $20K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 369 | $147K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 187 | $59K |
| Long-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 187 | $88K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 369 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.