| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC. | P.O. BOX 427 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | -$3K | — | -$3K | -0.23% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND FINANCIAL GROUP | 1120 MAIN STREET BENTON, KY 42025 | HEALTH RESOURCES, INC. | $11K | — | $11K | 10.00% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC. | 1120 MAIN STREET BENTON, KY 420251450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| JOSEPH GARETT KELLER3 | 319 EAST 2ND STREET OWENSBORO, KY 42303 | AFLAC | $9K | — | $9K | 11.27% |
| GARETT J KELLER3 | 319 EAST 2ND STREET OWENSBORO, KY 42303 | AFLAC | $1K | $2K | $4K | 4.88% |
| JENNIFER KELLER3 Filed as: JENNIFER L KELLER | 319 EAST 2ND STREET OWENSBORO, KY 42303 | AFLAC | $2K | $519 | $3K | 3.33% |
| FRANK ANTHONY LAIRD3 | 222 KENTUCKY AVENUE SUITE 3 PADUCAH, KY 42003 | AFLAC | $1K | $503 | $2K | 2.20% |
| CHAD L NELSON3 Filed as: CHAD M THOMPSON | 2910 TRAILS WAY OWENSBORO, KY 42303 | AFLAC | $172 | $88 | $260 | 0.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KIARA BROWN | 918 PARKWAY DRIVE SOUTH OWENSBORO, KY 42303 | AFLAC | $227 | — | $227 | 0.30% |
| SUSAN PEARCY3 | P.O. BOX 6574 LOUISVILLE, KY 40206 | AFLAC | $89 | $14 | $103 | 0.13% |
| CHAD L NELSON3 Filed as: CHAD M THOMPSON | 2730 TROTTERS LANE OWENSBORO, KY 40067 | AFLAC | $69 | — | $69 | 0.09% |
| GLEN ESTES3 | P.O. BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $28 | — | $28 | 0.04% |
| SETH O AKERS3 | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | AFLAC | $21 | $3 | $24 | 0.03% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $23 | — | $23 | 0.03% |
| BRADLEY L ELLIS3 | 7713 INDEPENDENCE PLACE CRESTWOOD, KY 40014 | AFLAC | $21 | — | $21 | 0.03% |
| KAREN L ESTES3 | P.O. BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $20 | — | $20 | 0.03% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $14 | $3 | $17 | 0.02% |
| MORGAN JILL HAPNEY3 | 6706 CROSSWAYS PLACE LOUISVILLE, KY 40241 | AFLAC | $16 | — | $16 | 0.02% |
| POWELL ENTERPRISES LLC3 | 400 DABNEY DRIVE APARTMENT 1 LEXINGTON, KY 40509 | AFLAC | $7 | — | $7 | 0.01% |
| R AARON WRIGHT3 Filed as: RR AARON WRIGHT | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $4 | — | $4 | 0.01% |
| POWELL ENTERPRISES LLC3 | 400 DABNEY DRIVE APARTMENT 1 LEXINGTON, KY 40509 | AFLAC | $3 | — | $3 | 0.00% |
| ROGER LEON STACY3 | 4118 MASON WOODS LANE OWENSBORO, KY 42303 | AFLAC | $2 | — | $2 | 0.00% |
| JOSEPH L EAMES3 | 2624 S GRIFFITH AVENUE OWENSBORO, KY 42301 | AFLAC | $1 | — | $1 | 0.00% |
| AKERS ENTERPRISES LLC3 | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | AFLAC | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC. | 1120 MAIN STREET BENTON, KY 420251450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC. | 1120 MAIN STREET BENTON, KY 420251450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 360 | $1.2M |
| Dental | HEALTH RESOURCES, INC. | 389 | $106K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 360 | $1.2M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $132K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $44K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.