| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FARMERS NATIONAL BANK3 | 304 W. MAIN ST. DANVILLE, KY 40422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 9.31% |
| FARMERS NATIONAL BANK3 | 304 W. MAIN ST. DANVILLE, KY 40422 | DELTA DENTAL OF KENTUCKY | $7K | — | $7K | 9.98% |
| FARMERS NATIONAL BANK3 | 304 W. MAIN STREET DANVILLE, KY 40422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH CO. | 419 PLUM STREET, STE. 100 CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22 | — | $22 | 0.20% |
| MARY DUFF3 | 176 PASADENA DRIVE LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 2.92% |
| JOHNSON POHLMANN3 | PO BOX 1428 DANVILLE, KY 40423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 2.74% |
| MEDLINK INC3 Filed as: MEDLINK INC. | PO BOX 23570 LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.67% |
| FINCH INSURANCE GROUP LLC3 | 3136 HYDE PARK DRIVE LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.49% |
| MARK HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.26% |
| VICKIE E LEWIS3 Filed as: VICKIE E. LEWIS | 6558 STOVAL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.15% |
| SUZANNE S HENDERSON-CIOTTI3 Filed as: SUZANNE S. HENDERSON-CIOTTI | 2619 HEDGEPATH TRAIL LOUISVILLE, KY 40245 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.10% |
| MICHAEL J BOONE3 Filed as: MICHAEL J. BOONE | 1302 CLEAR SPRINGS TRACE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| ARCORP LLC3 | 333 W. VINE STREET STE. 1650 LEXINGTON, KY 40507 | ANTHEM LIFE INSURANCE COMPANY | $482 | — | $482 | 15.00% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 235 | $66K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $11K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 135 | $83K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 135 | $76K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 135 | $76K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 135 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.