| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE LUKENS INC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | TOKIO MARINE | $49K | — | $49K | 9.10% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $70K | — | $70K | 14.95% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 2.32% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NI LLC | 4000 SMITH ROAD CINCINNATI, OH 45209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $8 | $8K | 11.60% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $755 | $2K | 3.11% |
| WILLIAM JACK MITCHELL JR3 | 920 SOUTH ASH STREET NORTH PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $251 | $1K | 2.08% |
| RTR AL CORP3 Filed as: RTR AI CORP | 100 PROMINADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | — | $204 | 0.31% |
| LIG BENEFITS LLC3 | 4315 FOEBURN LANE LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.16% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.07% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.06% |
| DIANE MARIE JARBOE3 | 4315 FOEBURN LANE LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| CARLA STINER REEL3 | 12322 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| DAVID HOWELL3 | 2121 COLLINS LANE LAKESITE, TN 37379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NORTHEAST 95TH STREET REDMOND, WA 98052 | LIFESECURE INSURANCE COMPANY | $3K | — | $3K | 11.66% |
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 | 478 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 470 | $471K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 470 | $471K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 470 | $471K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 470 | $471K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 470 | $471K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 373 | $543K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 470 | $577K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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.