| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E M FORD & CO LLC3 Filed as: E.M. FORD AND CO., LLC | 600 FREDERICA HISTORY OWENSBORO, KY 42301 | HARTFORD LIFE AND ACCIDENT | $34K | $13K | $47K | 23.18% |
| E M FORD & CO LLC3 Filed as: E.M. FORD AND CO., LLC | 600 FREDERICA HISTORY OWENSBORO, KY 42301 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $973 | $0 | $973 | 2.50% |
| JOSEPH GARETT KELLER3 Filed as: JOSEPH KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $7K | $0 | $7K | 73.45% |
| JENNIFER KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $1K | $0 | $1K | 15.55% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK LAIRD | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | AFLAC | $446 | $0 | $446 | 4.88% |
| MJ INSURANCE3 Filed as: SUSAN BARTLETT AND VARIOUS AGENTS | 3411 IMPERIAL PLACE OWENSBORO, KY 42301 | AFLAC | $332 | $0 | $332 | 3.63% |
| CHAD THOMPSON3 | 3306 SPRING RIDGE PARKWAY OWENSBORO, KY 42303 | AFLAC | $100 | $0 | $100 | 1.09% |
| CLIFFORD FRANKLIN BROOKS Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE ROAD, SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $66 | $0 | $66 | 0.72% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 6807 GRAINERY ROAD TIMNATH, CO 80547 | AFLAC | $61 | $0 | $61 | 0.67% |
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 | 640 | 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) | 640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 678 | $39K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 640 | $203K |
| Short-term disability | AFLAC | 96 | $9K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 640 | $203K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 640 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 678 | — |
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.