| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $15K | — | $15K | 10.00% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $5K | $14K | 9.64% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $6K | $7K | 5.00% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $2K | $11K | 14.75% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $837 | $3K | $4K | 4.92% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $6K | 7.80% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $776 | $3K | $4K | 5.00% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AFLAC | $1K | — | $1K | 2.54% |
| PAULA C. FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $1K | $12 | $1K | 2.32% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $1K | $1 | $1K | 1.83% |
| DANNY KYLE PRATER3 | P.O. BOX 281 TOLLESBORO, KY 41189 | AFLAC | $698 | — | $698 | 1.23% |
| LAURA BETH KELLER3 | 445 MADISON POINT DRIVE LEXINGTON, KY 40515 | AFLAC | $491 | $3 | $494 | 0.87% |
| KENNITH J. MERCADO3 | 373 LEFT PENHOOK ROAD HAROLD, KY 41635 | AFLAC | $286 | — | $286 | 0.50% |
| HEATHER L MAMMEN3 Filed as: HEATHER L. MAMMEN | 251 BIG EDDY ROAD FRANKFORT, KY 40601 | AFLAC | $281 | — | $281 | 0.49% |
| SARAH BARDELL3 Filed as: SARAH K. BARDELL | 424 CUNNINGHAM LANE LEXINGTON, KY 40508 | AFLAC | $232 | — | $232 | 0.41% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD ROAD PIKEVILLE, KY 41501 | AFLAC | $192 | — | $192 | 0.34% |
| BRENT HUTCHINSON3 | 1450 N. BROADWAY LEXINGTON, KY 40505 | AFLAC | $166 | — | $166 | 0.29% |
| DAVID A EMERSON3 Filed as: DAVID A. EMERSON | 142 NE 1ST STREET OAK ISLAND, NC 28465 | AFLAC | $122 | — | $122 | 0.21% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $115 | — | $115 | 0.20% |
| RUEANN EMERSON3 | 142 NE 1ST STREET OAK ISLAND, NC 28465 | AFLAC | $110 | — | $110 | 0.19% |
| DEBORAH MCGREGOR ADDESSI3 | 1710 ALEXANDRIA DRIVE SUITE 1 LEXINGTON, KY 40504 | AFLAC | $104 | — | $104 | 0.18% |
| DONALD B COOK JR3 Filed as: DONALD B. COOK, JR. | 113 CAMERON POINT DRIVE LAGRANGE, GA 30240 | AFLAC | $61 | — | $61 | 0.11% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $61 | — | $61 | 0.11% |
| KERRY KIMBROUGH3 | P.O. BOX 23275 LEXINGTON, KY 40523 | AFLAC | $60 | — | $60 | 0.11% |
| VARIOUS OTHER AGENTS3 | — | AFLAC | $54 | — | $54 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JACK W. BROWN | 1145 ANDOVER FOREST DRIVE LEXINGTON, KY 40509 | AFLAC | $46 | — | $46 | 0.08% |
| MICHAEL D BLEVINS3 Filed as: MICHAEL BLEVINS | 1075 ARLINGTON AVENUE MT. STERLING, KY 40353 | AFLAC | $33 | — | $33 | 0.06% |
| MICAHEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $28 | — | $28 | 0.05% |
| R AARON WRIGHT3 Filed as: R. AARON WRIGHT | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $26 | — | $26 | 0.05% |
| BROCK POWELL3 | 3654 OGLEBAY DRIVE GLEN COVE SPRINGS, FL 32043 | AFLAC | $26 | — | $26 | 0.05% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $25 | — | $25 | 0.04% |
| RUSSELL P LASNER3 Filed as: RUSSELL LASNER | 1001 TIMMONY CIRCLE ACCOKEEK, MD 20607 | AFLAC | $19 | — | $19 | 0.03% |
| CHRISTOPHER TROUTMAN3 | 124 MALLARD DRIVE RICHMOND, KY 40475 | AFLAC | $19 | — | $19 | 0.03% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4198 COX ROAD SUITE 113 GLEN ALLEN, VA 23060 | AFLAC | $13 | — | $13 | 0.02% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 10.00% |
| BENEFITS INSURANCE MARKETING3 Filed as: BENEFITS INSURANCE MARKETING, INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $812 | $470 | $1K | 9.47% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $145 | $532 | $677 | 5.00% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $851 | $195 | $1K | 11.78% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $95 | $348 | $443 | 4.99% |
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 | 555 | 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) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 778 | $149K |
| Vision | DELTA DENTAL OF KENTUCKY | 706 | $43K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 555 | $91K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 554 | $142K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $74K |
| Other(2 contracts, 2 carriers) | AFLAC | 779 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 779 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.