| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC. | 1120 MAIN STREET BENTON, KY 42025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $6K | $22K | 20.57% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.43% |
| JOSEPH GARETT KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $9K | $104 | $10K | 10.34% |
| JOSEPH GARETT KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $2K | $109 | $2K | 2.61% |
| JENNIFER KELLER3 Filed as: JENNIFER L KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $2K | $39 | $2K | 2.43% |
| FRANK ANTHONY LAIRD3 | 333 BROADWAY STREET SUITE 804 PADUCAH, KY 42001 | AFLAC | $803 | — | $803 | 0.87% |
| CHAD L NELSON3 Filed as: CHAD M THOMPSON | 2730 TROTTERS LANE OWENSBORO, KY 42303 | AFLAC | $120 | $4 | $124 | 0.13% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $119 | — | $119 | 0.13% |
| BRADLEY L ELLIS3 | 1500 BEVILLE ROAD SUITE 606 DAYTONA BEACH, FL 32114 | AFLAC | $110 | — | $110 | 0.12% |
| CHAD L NELSON3 Filed as: CHAD M THOMPSON | 2961 TRAILS WAY OWENSBORO, KY 42303 | AFLAC | $70 | — | $70 | 0.08% |
| ADAM C MCBRIDE3 | 283 AUDLEY AVENUE BOWLING GREEN, KY 42101 | AFLAC | $40 | $18 | $58 | 0.06% |
| BARRY MONTALTA3 Filed as: BARRY M MONTALTA | 17 SOUTH 377TH AVENUE TONOPAH, AZ 85354 | AFLAC | $57 | — | $57 | 0.06% |
| SUSAN PEARCY3 | 2011 FRANKFORT AVENUE UNIT 313 LOUISVILLE, KY 40206 | AFLAC | $26 | — | $26 | 0.03% |
| GLEN ESTES3 | P.O. BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $25 | — | $25 | 0.03% |
| KAREN L ESTES3 | P.O. BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $24 | — | $24 | 0.03% |
| MORGAN JILL HAPNEY3 | 6706 CROSSWAYS PLACE LOUISVILLE, KY 40241 | AFLAC | $18 | — | $18 | 0.02% |
| NEIL C KNIGHT3 | 1379 NORTHWEST SOUZA PLACE CORVALLIS, OR 97330 | AFLAC | $17 | — | $17 | 0.02% |
| JOYCE DARLENE WHITE3 | 2224 MILL RUN OWENSBORO, KY 42303 | AFLAC | $16 | — | $16 | 0.02% |
| ROGER LEON STACY3 | 4118 MASON WOODS LANE OWENSBORO, KY 42303 | AFLAC | $13 | — | $13 | 0.01% |
| AKERS ENTERPRISES LLC3 | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | AFLAC | $12 | — | $12 | 0.01% |
| JEREMY S KLOKKENGA3 | 1355 NORTH BLUFF ROAD SUITE A COLLINSVILLE, IL 62234 | AFLAC | $11 | — | $11 | 0.01% |
| POWELL ENTERPRISES LLC3 | 107 SOUTHERN BOULEVARD SUITE 103A SAVANNAH, GA 31405 | AFLAC | $9 | — | $9 | 0.01% |
| JOSEPH L EAMES3 | 2624 SOUTH GRIFFITH AVENUE OWENSBORO, KY 42301 | AFLAC | $9 | — | $9 | 0.01% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $8 | — | $8 | 0.01% |
| GLEN ESTES3 | P.O. BOX 514 SIMPONVILLE, KY 40067 | AFLAC | $8 | — | $8 | 0.01% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $6 | — | $6 | 0.01% |
| JEREMY S KLOKKENGA3 | 48 PHEASANT TRAIL GLEN CARBON, IL 62034 | AFLAC | $4 | — | $4 | 0.00% |
| DIANNE KRON3 | 5910 ASHWOOD BLUFF DRIVE LOUISVILLE, KY 40207 | AFLAC | $2 | — | $2 | 0.00% |
| SETH O AKERS3 | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | AFLAC | $2 | — | $2 | 0.00% |
| DENNIS HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $2 | — | $2 | 0.00% |
| BROCK POWELL3 | 3944 MURPHY CANYON ROAD SUITE C203 SAN DIEGO, CA 92123 | AFLAC | $2 | — | $2 | 0.00% |
| DEBRA LYNN MULLINS3 | 9102 POINT PARK DRIVE HOUSTON, TX 77095 | AFLAC | $1 | — | $1 | 0.00% |
| DANA SMITH3 Filed as: DANA A SMITH | 10511 SANDBOURNE WAY LOUISVILLE, KY 40241 | AFLAC | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 1925 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $1 | — | $1 | 0.00% |
| EMPLOYEE BENEFITS & INS SOLUTIONS3 | 6036 BEAR CREEK COURT COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC. | 1120 MAIN STREET BENTON, KY 42025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 20.52% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.41% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC. | 1120 MAIN STREET BENTON, KY 42025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $10K | 20.61% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.80% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC. | P.O. BOX 427 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $531 | — | $531 | 2.16% |
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 | 372 | 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) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 440 | $25K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 372 | $155K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 369 | $55K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 372 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.