| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 5.28% |
| ROBERT BERNARD SCHMUTTE3 Filed as: ROBERT SCHMUTTE JR | 851 CHARWOOD DRIVE LEXINGTON, KY 40515 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 5.28% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | PO BOX 1779 BOWLING GREEN, KY 42102 | EYEMED | $2K | — | $2K | 8.94% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | AFLAC | $379 | — | $379 | 2.97% |
| CURTIS SCHWARTZ3 | 2250 THUNDERSTICK DRIVE SUITE 1104 LEXINGTON, KY 40505 | AFLAC | $277 | — | $277 | 2.17% |
| MARY CARMELA BERARDI3 | 1795 ALYSHEBA WAY SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $212 | $49 | $261 | 2.05% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | AFLAC | $258 | — | $258 | 2.02% |
| CURTIS SCHWARTZ3 Filed as: CURTIS SCHWARTZ INC | 4020 GRINDSTONE COURT RICHMOND, KY 40475 | AFLAC | $143 | $25 | $168 | 1.32% |
| LAURA BETH KELLER3 | 2220 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KY 40505 | AFLAC | $152 | $15 | $167 | 1.31% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $152 | — | $152 | 1.19% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $102 | — | $102 | 0.80% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $75 | — | $75 | 0.59% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $71 | — | $71 | 0.56% |
| LINDSEY HOSKINS3 | 912 HAMMOCK OAK LANE LEXINGTON, KY 40515 | AFLAC | $38 | $10 | $48 | 0.38% |
| TYLER DECKER3 | 4325 COBBLESTONE KNOLL DRIVE LEXINGTON, KY 40515 | AFLAC | $39 | — | $39 | 0.31% |
| HEATHER L MAMMEN3 | 468 BOB O LINK DRIVE LEXINGTON, KY 40503 | AFLAC | $19 | — | $19 | 0.15% |
| LINDSEY HOSKINS3 | 782 VERMILLION PEAK PASS LEXINGTON, KY 40515 | AFLAC | $12 | $5 | $17 | 0.13% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $2 | — | $2 | 0.02% |
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 | 326 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 326 | $97K |
| Vision | EYEMED | 335 | $18K |
| Other | AFLAC | 37 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.