| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | AFLAC | $8K | — | $8K | 6.25% |
| CHAD L NELSON3 Filed as: CHAD M. THOMPSON | 2910 TRAILS WAY OWENSBORO, KY 42303 | AFLAC | $6K | $692 | $6K | 4.97% |
| JENNIFER KELLER3 Filed as: JENNIFER L. KELLER | 319 EAST 2ND STREET OWENSBORO, KY 42303 | AFLAC | $5K | $338 | $6K | 4.39% |
| FRANK ANTHONY LAIRD3 | 222 KENTUCKY AVENUE, SUITE 3 PADUCAH, KY 42003 | AFLAC | $3K | $208 | $3K | 2.55% |
| MJ INSURANCE3 Filed as: TYLER M. TRAVIS AND VARIOUS AGENTS | 707 LESLIE AVENUE GLASGOW, KY 42141 | AFLAC | $2K | $227 | $2K | 1.71% |
| JOSEPH GARETT KELLER3 | 319 EAST 2ND STREET OWENSBORO, KY 42303 | AFLAC | $2K | $195 | $2K | 1.71% |
| JOSEPH L EAMES3 Filed as: JOSEPH L. EAMES | 2624 SOUTH GRIFFITH AVENUE OWENSBORO, KY 42301 | AFLAC | $2K | — | $2K | 1.28% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $6K | $25K | 18.93% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $9K | — | $9K | 9.67% |
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 | 313 | 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) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 351 | $96K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 354 | $130K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 354 | $260K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 354 | $130K |
| Other(3 contracts, 3 carriers) | AFLAC | 354 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.