| 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 | 4.93% |
| ROBERT BERNARD SCHMUTTE3 Filed as: ROBERT SCHMUTTE JR | 4999 HARTLAND PKWY LEXINGTON, KY 40515 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 4.93% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | PO BOX 1779 BOWLING GREEN, KY 42102 | EYEMED | $3K | — | $3K | 9.96% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | AFLAC | $765 | — | $765 | 4.39% |
| MARY CARMELA BERARDI3 | 1795 ALYSHEBA WAY SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $535 | — | $535 | 3.07% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $435 | — | $435 | 2.50% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | AFLAC | $424 | — | $424 | 2.43% |
| CURTIS SCHWARTZ3 | 599 CHESTNUT STREET BEREA, KY 40403 | AFLAC | $390 | — | $390 | 2.24% |
| LAURA BETH KELLER3 | 2220 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KY 40505 | AFLAC | $137 | — | $137 | 0.79% |
| LINDSEY HOSKINS3 | 912 HAMMOCK OAK LANE LEXINGTON, KY 40515 | AFLAC | $133 | — | $133 | 0.76% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $123 | — | $123 | 0.71% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $113 | — | $113 | 0.65% |
| LAURA BETH KELLER | 141 PROSPEROUS PL STE 26 LEXINGTON, KY 40509 | AFLAC | $92 | — | $92 | 0.53% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $75 | — | $75 | 0.43% |
| HEATHER L MAMMEN3 | 468 BOB O LINK DRIVE LEXINGTON, KY 40503 | AFLAC | $25 | — | $25 | 0.14% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $3 | — | $3 | 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 | 363 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 363 | $106K |
| Vision | EYEMED | 361 | $28K |
| Other | AFLAC | 33 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.