| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E M FORD & CO LLC3 Filed as: E M FORD AND COMPANY, LLC | 2100 FREDERICA STREET OWENSBORO, KY 42301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37K | $0 | $37K | 15.00% |
| JOSEPH GARETT KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $5K | $85 | $5K | 8.01% |
| JENNIFER KELLER3 Filed as: JENNIFER L. KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $1K | $20 | $1K | 1.80% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | AFLAC | $487 | $0 | $487 | 0.75% |
| MJ INSURANCE3 Filed as: SUSANN BARTLETT AND VARIOUS AGENTS | 3411 IMPERIAL PLACE OWENSBORO, KY 42301 | AFLAC | $363 | $0 | $363 | 0.56% |
| CHAD L NELSON3 Filed as: CHAD M. THOMPSON | 3306 SPRING RIDGE PARKWAY OWENSBORO, KY 42303 | AFLAC | $109 | $0 | $109 | 0.17% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD, SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $72 | $0 | $72 | 0.11% |
| BRADLEY L ELLIS3 Filed as: BRADLEY L. ELLIS | 6807 GRAINERY ROAD TIMNATH, CO 80547 | AFLAC | $65 | $0 | $65 | 0.10% |
| E M FORD & CO LLC3 Filed as: E M FORD AND COMPANY, LLC | 600 FREDERICA STREET OWENSBORO, KY 42301 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $102 | $0 | $102 | 0.28% |
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 | 397 | 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) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 624 | $36K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 389 | $249K |
| Short-term disability | AFLAC | 104 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 389 | $249K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 389 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 624 | — |
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."
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.