| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $176 | $7K | 7.00% |
| RTR AL CORP3 Filed as: RTR AI CORP | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $213 | $5K | 4.92% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.38% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $202 | $1K | 1.46% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $883 | $221 | $1K | 1.15% |
| STERLING G THOMPSON COMPANY LLC3 | 545 SOUTH THIRD STREET LOUISVILLE, KY 40202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $735 | — | $735 | 0.77% |
| DIANE MARIE JARBOE3 | 4315 FOEBURN LANE LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $451 | $23 | $474 | 0.49% |
| CAROL JEAN EDWARDS3 | 4213 LORIANN BLVD NEW ALBANY, IN 47150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $362 | — | $362 | 0.38% |
| BILODEAU INC3 | 7500 TURNER RIDGE ROAD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $282 | $77 | $359 | 0.37% |
| REBECCA LYNN ABBOTT3 | 2907 HICKORY LANE LA GRANGE, KY 40031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | $11 | $241 | 0.25% |
| BRYSON TYLER BEACH3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $35 | $207 | 0.22% |
| LIG BENEFITS LLC3 | 4302 DARBROOK RD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 0.15% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 0.15% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | $9 | $128 | 0.13% |
| THE BARDELL AGENCY3 | 424 CUNNINGHAM LANE LEXINGTON, KY 40508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.05% |
| SARAH BARDELL3 | 424 CUNNINGHAM LANE LEXINGTON, KY 40508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| BRANDON MARCELLO CENTO3 | 7060 OAKBAY DRIVE NOBLESVILLE, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| ROBERT OWEN3 | 510 ROXBURY LANE NOBLESVILLE, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | — | $2K | $2K | 3.47% |
| GARRETT-STOTZ COMPANY3 Filed as: GARRETT-STOTZ | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.40% |
| JEFFREY D HARNED3 | 10508 VENADO DRIVE LOUISVILLE, KY 40291 | KANSAS CITY LIFE INSURANCE COMPANY | $341 | — | $341 | 0.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 4.31% |
| GARRET STOTZ3 | — | DENTAL CARE PLUS, INC. | $927 | — | $927 | 1.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $104 | $4K | 9.66% |
| RTR AL CORP3 Filed as: RTR AI CORP | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $127 | $2K | 6.24% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $887 | — | $887 | 2.31% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $457 | $88 | $545 | 1.42% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | $97 | $393 | 1.02% |
| STERLING G THOMPSON COMPANY LLC3 | 545 SOUTH THIRD STREET LOUISVILLE, KY 40202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $393 | — | $393 | 1.02% |
| BILODEAU INC3 | 7500 TURNER RIDGE ROAD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $34 | $145 | 0.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 13.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NATIONAL INCENTIVE 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $882 | $882 | 3.10% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVE LOUISVILLE, KY 40299 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $381 | — | $381 | 1.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 7.91% |
| GARRETT-STOTZ COMPANY3 Filed as: GARRETT STOTZ | — | DENTAL CARE PLUS, INC. | $388 | — | $388 | 1.64% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVE LOUISVILLE, KY 402996338 | VISION SERVICE PLAN | $1K | — | $1K | 5.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $839 | — | $839 | 13.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | NATIONAL INCENTIVE 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $200 | $200 | 3.26% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVE LOUISVILLE, KY 40299 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $82 | — | $82 | 1.34% |
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 | 349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DENTAL CARE PLUS, INC. | 205 | $71K |
| Vision | VISION SERVICE PLAN | 159 | $20K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 279 | $140K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 170 | $53K |
| Long-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 170 | $81K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 279 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.