| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION ROAD STE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $61K | — | $61K | 2.61% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION ROAD STE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $51K | — | $51K | 2.17% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $41K | $12K | $53K | 11.56% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 6.79% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $650 | $3K | 4.12% |
| BILODEAU INC3 | 7500 TURNER RIDGE RD CRESTWOOD, KY 40014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $188 | $1K | 1.76% |
| VICKIE E LEWIS3 | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $42 | $1K | 1.55% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $615 | $34 | $649 | 0.86% |
| DIANE MARIE JARBOE3 | 4315 FOEBURN LANE LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $511 | $25 | $536 | 0.71% |
| LIG BENEFITS LLC3 | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $440 | $29 | $469 | 0.62% |
| KEVIN BRADLEY3 | 31 COUNTRY CLUB DRIVE LEDYARD, CT 06339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $366 | $2 | $368 | 0.49% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | $58 | $284 | 0.38% |
| SONIA ELIZA ROBINSON3 | 624 SEVEN OAKS LANE IRVINGTON, KY 40146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | — | $180 | 0.24% |
| ROSA MURILLO PUENTE3 | 6143 UTE DRIVE SAN JOSE, CA 95123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $13 | $161 | 0.21% |
| BARBARA ANN BASTON3 | 5401 MANSEL LANE FT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $2 | $125 | 0.17% |
| CANDICE ELISE EUSEBIO3 | 124 AMBERSTONE LANE SAN RAMON, CA 94582 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 0.14% |
| ERIC BROGAN3 Filed as: ERIC L MILLER | 4505 W PIONEER DRIVE IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $1 | $89 | 0.12% |
| EDITH VIEYRA3 Filed as: EDITH PONCE DAVILA | 363 E 69TH WAY LONG BEACH, CA 90805 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.10% |
| THOMAS BENEFITS INC3 | 14 CHANDLER STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $4 | $41 | 0.05% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $13 | $32 | 0.04% |
| JOEL BOUCHEY3 | 6906 W 2ND AVENUE KENNEWICK, WA 99336 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.04% |
| CASEY JAMES KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $21 | $30 | 0.04% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DRIVE IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $12 | $29 | 0.04% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $3 | $22 | 0.03% |
| BRIAN ROBERT LLOYD3 | PO BOX 11 KNIGHTSEN, CA 94548 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $11 | $20 | 0.03% |
| NICHOLAS RYAN DERRICO3 | 1745 W ORANGEWOOD AVENUE SUITE 212 ORANGE, CA 92868 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $9 | $15 | 0.02% |
| CATHERINE LISA LUKE3 | 4787 W HACIENDA AVENUE CAMPBELL, CA 95008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $4 | $13 | 0.02% |
| MICHAEL JAMES LEBRANE3 | 808 EAST 5TH AVENUE SAN MATEO, CA 94402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| DB INSURANCE INC3 | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.01% |
| BERT KERR3 Filed as: BERT L KERR | PO BOX 5075 BENTON CITY, WA 99320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.01% |
| ANAHI RIES3 | 1110 OHIO AVENUE LONG BEACH, CA 90804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DALE WITWER3 | 4535 MURIS LANE PASCO, WA 99301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.01% |
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 | 577 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 681 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 577 | $457K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 577 | $457K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 577 | $457K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 577 | $457K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 577 | $457K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 577 | $555K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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.