| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET STE 900 KANSAS CITY, MO 64112 | COMMUNITY INSURANCE COMPANY | $131K | $20K | $151K | 4.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET STE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $7K | $20K | 13.14% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 40223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET STE 900 KANSAS CITY, MO 64112 | ANTHEM LIFE INSURANCE COMPANY | $13K | $7K | $19K | 18.91% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.27% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $962 | — | $962 | 2.04% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $491 | — | $491 | 1.04% |
| VICKIE E LEWIS3 | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $474 | — | $474 | 1.00% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 0.35% |
| LIG BENEFITS LLC3 | 11918 PERRY CROSSING PARKWAY SELLERBERG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | — | $116 | 0.25% |
| KEVIN BRADLEY3 | 31 COUNTRY CLUB DRIVE LEDYARD, CT 06339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.19% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.14% |
| BARBARA ANN BASTON3 | 5401 MANSEL LANE FT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.09% |
| ERIC BROGAN3 Filed as: ERIC L MILLER | 8720 ELBE TRAIL FT WORTH, TX 76118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.07% |
| THOMAS BENEFITS INC3 | 14 CHANDLER STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET STE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $10K | — | $10K | 987000.00% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION ROAD STE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $143 | — | $143 | 14300.00% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $58 | — | $58 | 5800.00% |
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 | 594 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 633 | $3.1M |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 633 | $3.1M |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 633 | $3.1M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 594 | $103K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $150K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $150K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 385 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.