| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAN METER INSURANCE3 | P.O. BOX 1779 BOWLING GREEN, KY 42102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 14.12% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 3.65% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $312 | $2K | 6.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $674 | — | $674 | 2.63% |
| VMI ACQUISITION INC3 Filed as: VMI ACQUISITION INC. | P.O. BOX 1779 BOWLING GREEN, KY 42102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $464 | — | $464 | 1.81% |
| VANCE NEAL MICHAEL3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $348 | $69 | $417 | 1.63% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 0.80% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.43% |
| SHALONDA JANE ALLEN3 | 432 EDGEWOOD DRIVE MURRAY, KY 42071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.33% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.17% |
| LESLIE ANN FEATHERLY3 | 3022 HELENA ROAD FLEMMINGSBURG, KY 41041 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 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 | $2 | — | $2 | 0.01% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.05% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 361 | $94K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 257 | $20K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 194 | $105K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 194 | $105K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 194 | $105K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 194 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.