| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E M FORD & CO LLC3 Filed as: E.M. FORD & CO LLC | 600 FREDERICA HISTORY OWENSBORO, KY 42301 | HARTFORD LIFE AND ACCIDENT | $38K | $0 | $38K | 17.41% |
| JOSPEH GARETT KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $5K | $55 | $5K | 9.13% |
| JENNIFER KELLER3 Filed as: JENNIFER L. KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $2K | $55 | $2K | 3.04% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | AFLAC | $377 | $0 | $377 | 0.71% |
| SUSAN G. BARTLETT AND OTHER AGENTS3 | 3411 IMPERIAL PLACE OWENSBORO, KY 42301 | AFLAC | $257 | $0 | $257 | 0.48% |
| CHAD L NELSON3 Filed as: CHAD M. THOMPSON | 3306 SPRING RIDGE PARKWAY OWENSBORO, KY 42303 | AFLAC | $107 | $0 | $107 | 0.20% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBEVILLE ROAD, SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $57 | $0 | $57 | 0.11% |
| BRADLEY L ELLIS3 Filed as: BRADLEY L. ELLIS | 6807 GRAINERY ROAD TIMNATH, CO 80547 | AFLAC | $53 | $0 | $53 | 0.10% |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 594 | $33K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 485 | $216K |
| Short-term disability | AFLAC | 77 | $53K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 485 | $216K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,102 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,102 | — |
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.