| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | BAPTIST HEALTH PLAN | $32K | — | $32K | 2.80% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 4.12% |
| VAN METER INSURANCE3 | P.O. BOX 1779 BOWLING GREEN, KY 42102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 13.07% |
| VAN METER INSURANCE3 | P.O. BOX 1779 BOWLING GREEN, KY 42102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 9.53% |
| MARY DUFF3 | 176 PASADENA DRIVE LEXINGTON, KY 40503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $402 | $2K | 6.57% |
| VANCE NEAL MICHAEL3 | 176 PASADENA DRIVE LEXINGTON, KY 40503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $880 | $510 | $1K | 5.28% |
| VMI ACQUISITION INC3 Filed as: VMI ACQUISITION INC. | P.O. BOX 1779 BOWLING GREEN, KY 42102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $892 | $78 | $970 | 3.68% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $541 | — | $541 | 2.06% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 0.75% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.41% |
| SHALONDA JANE ALLEN3 | 432 EDGEWOOD DRIVE MURRAY, KY 42071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.35% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.16% |
| LESLIE ANN FEATHERLY3 | 134 SUNNINGDALE DRIVE GEORGETOWN, KY 40324 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.06% |
| NORMA J DAVIS3 | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| VAN METER INSURANCE3 | P.O. BOX 1779 BOWLING GREEN, KY 42102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 14.32% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BAPTIST HEALTH PLAN | 233 | $1.1M |
| Dental | DELTA DENTAL OF KENTUCKY | 348 | $78K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 272 | $17K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 167 | $49K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 167 | $46K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 65 | $16K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 167 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.