| 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 | $26K | $0 | $26K | 11.17% |
| E M FORD & CO LLC3 Filed as: E M FORD & COMPANY LLC | 2100 FREDERICA STREET OWENSBORO, KY 42301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.83% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.92% |
| JOSEPH GARETT KELLER3 Filed as: JOSEPH GARRETT KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $9K | $344 | $9K | 10.44% |
| JENNIFER KELLER3 Filed as: JENNIFER L. KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $2K | $60 | $2K | 2.06% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | AFLAC | $656 | $0 | $656 | 0.73% |
| MJ INSURANCE3 Filed as: CHAD THOMPSON AND VARIOUS AGENTS | 2961 TRAILS WAY OWENSBORO, KY 42303 | AFLAC | $480 | $14 | $494 | 0.55% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD, SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $97 | $0 | $97 | 0.11% |
| BRADLEY L ELLIS3 Filed as: BRADLEY L. ELLIS | 11226 JORDAN COURT PARKER, CO 80134 | AFLAC | $90 | $0 | $90 | 0.10% |
| CHAD L NELSON3 Filed as: CHAD M. THOMPSON | 3306 SPRING RIDGE PARKWAY OWENSBORO, KY 42303 | AFLAC | $84 | $0 | $84 | 0.09% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $769 | $0 | $769 | 2.21% |
| E M FORD & CO LLC3 Filed as: E M FORD & COMPANY LLC | 600 FREDERICA STREET OWENSBORO, KY 42301 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $72 | $0 | $72 | 0.21% |
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 | 377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 604 | $35K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 377 | $232K |
| Short-term disability | AFLAC | 118 | $90K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 377 | $232K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 377 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
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.