| 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 | $0 | $34K | 17.35% |
| JOSEPH GARETT KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $6K | $152 | $6K | 9.38% |
| JENNIFER KELLER3 Filed as: JENNIFER L. KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $2K | $40 | $2K | 3.15% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | AFLAC | $421 | $0 | $421 | 0.68% |
| SUSAN G. BARTLETT AND OTHER AGENTS3 | 3411 IMPERIAL PLACE OWENSBORO, KY 42301 | AFLAC | $330 | $0 | $330 | 0.53% |
| CHAD L NELSON3 Filed as: CHAD M. THOMPSON | 3306 SPRING RIDGE PARKWAY OWENSBORO, KY 42303 | AFLAC | $103 | $0 | $103 | 0.17% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD, SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $62 | $0 | $62 | 0.10% |
| BRADLEY L ELLIS3 Filed as: BRADLEY L. ELLIS | 6807 GRAINERY ROAD TIMNATH, CO 80547 | AFLAC | $58 | $0 | $58 | 0.09% |
| E M FORD & CO LLC3 Filed as: E.M. FORD AND CO., LLC | 600 FREDERICA STREET OWENSBORO, KY 42301 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $1K | $0 | $1K | 2.50% |
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 | 548 | 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) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 677 | $41K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 548 | $197K |
| Short-term disability | AFLAC | 94 | $62K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 548 | $197K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,239 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,239 | — |
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.