| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | P.O. BOX 9465 NEW YORK, NY 100874465 | HUMANA HEALTH PLAN, INC. | $46K | — | $46K | 1.54% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 9225 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 462401467 | HUMANA HEALTH PLAN, INC. | $9K | — | $9K | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | P.O. BOX 9465 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 3.76% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 3430 CARMEL, IN 46082 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 540 WEST MADISON STREET SUITE 1200 CHICAGO, IL 60661 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 6.63% |
| TYLER M TRAVIS3 | 707 LESLIE AVENUE GLASGOW, KY 42141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.58% |
| HEATHER TRAVIS3 | 53 RED BARN WAY CAVE CITY, KY 42127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.70% |
| WILLIAM JONES3 Filed as: WILLIAM D JONES | 2317 RUSSELLVILLE ROAD SUITE 1 BOWLING GREEN, KY 42101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.61% |
| NICOLE L JONES3 Filed as: NICOLE J JONES | 2362 RUSSELLVILLE ROAD BOWLING GREEN, KY 42101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $647 | — | $647 | 0.31% |
| PHILLIP D BLAKEMAN3 | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $447 | — | $447 | 0.21% |
| STEVEN D HILL3 | 389 CLAYPOOL BOYCE ROAD ALVATON, KY 42122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $439 | — | $439 | 0.21% |
| AMY JOHANNEMANN3 Filed as: AMY S JOHANNEMANN | P.O. BOX 22806 LOUISVILLE, KY 40252 | CONTINENTAL AMERICAN INSURANCE COMPANY | $416 | — | $416 | 0.20% |
| LORI R GRIZZELL3 | 1069 SOUTH HEWITT ROAD BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $371 | — | $371 | 0.18% |
| BETTY JEAN GENTRY3 Filed as: BETTY J GENTRY | 725 GENTRY CIRCLE MOUNT HERMON, KY 42157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $306 | — | $306 | 0.15% |
| WANDA JEAN ANDERSON3 Filed as: WANDA J ANDERSON | 1751 WHITE OAK RIDGE ROAD FOUNTAIN RUN, KY 42133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $305 | — | $305 | 0.15% |
| AMERICA WILSON3 | 86 A E HEIGHTS AVENUE A86 BOWLING GREEN, KY 42101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $247 | — | $247 | 0.12% |
| PAULA WINCHELL3 Filed as: PAULA A WINCHELL | 260 HOLLIS THOMAS ROAD GLASGOW, KY 42141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $176 | — | $176 | 0.08% |
| DARRYL J YOUNG3 | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | — | $158 | 0.08% |
| KATIE S BARNES3 | 950 NORTH MULBERRY SUITE 160 ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | — | $147 | 0.07% |
| ANGELA PEDIGO3 | 152 GOFF ROAD EDMONTON, KY 42129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | — | $140 | 0.07% |
| CHERIE L VAUGHAN3 | 8330 EAST QUINCY AVENUE A208 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | — | $133 | 0.06% |
| SHARON L PAYNE3 | 7 WEST BARBEE STREET COLUMBIA, KY 42728 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.05% |
| BARNES & ASSOCIATES INC3 Filed as: BARNES & ASSOCIATES INC. | 315 NICHOLAS RIDGE DRIVE ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | — | $91 | 0.04% |
| CRYSTAL ROSA VERTREES3 Filed as: CRYSTAL R VERTREES | 950 NORTH MULBERRY STREET SUITE 160 ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.03% |
| ALYSSA A WHITIS3 | 3870 BANYAN DRIVE APARTMENT B BOWLING GREEN, KY 42104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.03% |
| LARRY J POLK3 | 194 EASTIWIND PLACE BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.02% |
| WHITNEY B LEWIS3 | 950 NORTH MULBERRY STREET SUITE 160 ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| DAVID WATSON3 | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.01% |
| MATTHEW HUDSON3 | 11501 WILLOW STREAM COURT APARTMENT 3 LOUISVILLE, KY 40299 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.01% |
| JILL MORGAN SCHARDEIN3 Filed as: JILL L SCHARDEIN | 603 PINE COURT BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| JILL HEHNEN3 Filed as: JILL N HEHNEN | 510 OLD BUCK CREEK ROAD ADOLPHUS, KY 42120 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| JOSE B VILLEGAS3 | 321 CLIFFORD WAY BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | P.O. BOX 9465 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 16.97% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 3430 CARMEL, IN 46082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | P.O. BOX 9465 NEW YORK, NY 10087 | AFLAC | $3K | — | $3K | 2.93% |
| WILLIAM JONES3 | 958 COLLETT AVENUE SUITE 200 BOWLING GREEN, KY 42101 | AFLAC | $2K | $521 | $3K | 2.67% |
| WILLIAM JONES3 | 2362 RUSSELLVILLE ROAD BOWLING GREEN, KY 42101 | AFLAC | $2K | $552 | $2K | 2.10% |
| PHILLIP D BLAKEMAN3 | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $2K | $123 | $2K | 2.01% |
| TYLER M TRAVIS3 | 707 LESLIE AVENUE GLASGOW, KY 42141 | AFLAC | $2K | — | $2K | 1.83% |
| HEATHER TRAVIS3 | 53 RED BARN WAY CAVE CITY, KY 42127 | AFLAC | $659 | — | $659 | 0.66% |
| STEVEN D HILL3 Filed as: STEVEN DOUGLAS HILL | 389 CLAYPOOL BOYCE ROAD ALVATON, KY 42122 | AFLAC | $402 | $91 | $493 | 0.49% |
| AMY JOHANNEMANN3 | P.O. BOX 22806 LOUISVILLE, KY 40252 | AFLAC | $438 | — | $438 | 0.44% |
| LORI R GRIZZELL3 | 1069 HEWITT ROAD BOWLING GREEN, KY 42103 | AFLAC | $329 | $76 | $405 | 0.40% |
| HEATHER TRAVIS3 | 707 LESLIE AVENUE GLASGOW, KY 42141 | AFLAC | $387 | $15 | $402 | 0.40% |
| NICOLE L JONES3 | 958 COLLETT AVENUE SUITE 200 BOWLING GREEN, KY 42101 | AFLAC | $279 | $44 | $323 | 0.32% |
| KATIE S BARNES3 | 315 NICHOLAS RIDGE DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $255 | $47 | $302 | 0.30% |
| BARNES & ASSOCIATES INC3 Filed as: BARNES & ASSOCIATES INC. | 315 NICHOLAS RIDGE DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $234 | $46 | $280 | 0.28% |
| SADIE DANIELLE RUSSELL3 | 2362 RUSSELLVILLE ROAD BOWLING GREEN, KY 42101 | AFLAC | $227 | $6 | $233 | 0.23% |
| WANDA JEAN ANDERSON3 | 1751 WHITE OAK RIDGE ROAD FOUNTAIN RUN, KY 42133 | AFLAC | $202 | — | $202 | 0.20% |
| BETTY JEAN GENTRY3 | 725 GENTRY CIRCLE MOUNT HERMON, KY 42157 | AFLAC | $172 | $24 | $196 | 0.19% |
| SHARON L PAYNE3 | 7 W BARBEE STREET COLUMBIA, KY 42728 | AFLAC | $134 | $51 | $185 | 0.18% |
| PAULA WINCHELL3 | 260 HOLLIS THOMAS ROAD GLASGOW, KY 42141 | AFLAC | $94 | $3 | $97 | 0.10% |
| DARRYL J YOUNG3 | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | AFLAC | $96 | — | $96 | 0.10% |
| MATTHEW FONES3 Filed as: MATTHEW H FONES | 2002 RICHARD JONES ROAD SUITE A306 NASHVILLE, TN 37215 | AFLAC | $79 | — | $79 | 0.08% |
| AMERICA WILSON3 | 86A EAST HEIGHTS AVENUE BOWLING GREEN, KY 42101 | AFLAC | $79 | — | $79 | 0.08% |
| BRIANNA GENTRY3 | 12971 TOMPKINSVILLE ROAD GLASGOW, KY 42141 | AFLAC | $59 | $16 | $75 | 0.07% |
| JILL HEHNEN3 | 510 OLD BUCK CREEK ROAD ADOLPHUS, KY 42120 | AFLAC | $63 | — | $63 | 0.06% |
| CRYSTAL ROSA VERTREES3 | 92 HAMPTON LANE ELIZABETHTOWN, KY 42701 | AFLAC | $55 | — | $55 | 0.05% |
| CHERIE L VAUGHAN3 | 208 EAST MAIN STREET GLASGOW, KY 42141 | AFLAC | $46 | — | $46 | 0.05% |
| KENNAN W DOZIER3 | 10724 MEETING STREET PROSPECT, KY 40059 | AFLAC | $38 | — | $38 | 0.04% |
| LARRY J POLK3 Filed as: LARRY POLK | 194 EASTWIND PLACE BOWLING GREEN, KY 42103 | AFLAC | $32 | — | $32 | 0.03% |
| WHITNEY B LEWIS3 | 103A EDELEN STREET VINE GROVE, KY 40175 | AFLAC | $30 | — | $30 | 0.03% |
| GARY W LOVELL3 | P.O. BOX 682146 FRANKLIN, TN 37068 | AFLAC | $19 | — | $19 | 0.02% |
| PAULA WINCHELL3 | 940 CORA WILBORN ROAD SUMMER SHADE, KY 42166 | AFLAC | $17 | — | $17 | 0.02% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LANE FRAKNLIN, TN 37067 | AFLAC | $8 | — | $8 | 0.01% |
| GARY W LOVELL3 | P.O. BOX 90866 NASHVILLE, TN 37209 | AFLAC | $4 | — | $4 | 0.00% |
| JULIE L TEMPLETON3 | 709 HELMSDALE PLACE SOUTH BRENTWOOD, TN 37027 | AFLAC | $3 | — | $3 | 0.00% |
| JORDAN S SMITH3 | 240 WILSON PIKE CIRCLE SUITE 200 BRENTWOOD, TN 37027 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID M CRUMLEY3 | 5111 MARYLAND WAY SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | P.O. BOX 9465 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 8.66% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 3430 CARMEL, IN 46082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | P.O. BOX 9465 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.77% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 3430 CARMEL, IN 46082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $589 | — | $589 | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | P.O. BOX 9465 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.67% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 3430 CARMEL, IN 46082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $298 | — | $298 | 1.33% |
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 | 523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 470 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 483 | $231K |
| Vision | THE DENTAL CONCERN, INC. | 435 | $37K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 523 | $192K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 523 | $96K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 523 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.