| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | ANTHEM INSURANCE COMPANIES, INC. | $17K | $0 | $17K | 0.94% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | ANTHEM INSURANCE COMPANIES, INC. | $13K | $0 | $13K | 0.68% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $15K | $0 | $15K | 9.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $9K | $3K | $12K | 7.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.76% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | PARAMOUNT DENTAL | $4K | $0 | $4K | 5.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | PARAMOUNT DENTAL | $3K | $0 | $3K | 4.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $4K | $0 | $4K | 7.29% |
| CHAD THOMPSON3 | 3306 SPRING RIDGE PARKWAY OWENSBORO, KY 42303 | AFLAC | $4K | $142 | $4K | 6.99% |
| JENNIFER KELLER3 Filed as: JENNIFER BURNS | 9471 STATE ROUTE 815 OWENSBORO, KY 42301 | AFLAC | $997 | $0 | $997 | 1.64% |
| JENNIFER KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $728 | $33 | $761 | 1.25% |
| JOSEPH L EAMES3 Filed as: JOSEPH EAMES AND MISC. AGENTS | 2854 AVENUE OF THE PARK OWENSBORY, KY 42303 | AFLAC | $555 | $0 | $555 | 0.91% |
| JOSEPH GARETT KELLER3 Filed as: JOSEPH KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $169 | $0 | $169 | 0.28% |
| BOBBY SUTTON3 | 11 DOCKSIDE LANE CADIZ, KY 42211 | AFLAC | $95 | $0 | $95 | 0.16% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | VISION SERVICE PLAN | $965 | $0 | $965 | 5.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $811 | $0 | $811 | 4.94% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 227 | $1.8M |
| Dental | PARAMOUNT DENTAL | 284 | $78K |
| Vision(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 227 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 226 | $223K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 226 | $223K |
| Long-term disability | STANDARD INSURANCE COMPANY | 226 | $162K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 227 | $1.8M |
| Other(3 contracts, 3 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 227 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
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.