| 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 | $8K | — | $8K | 8.71% |
| FARMERS NATIONAL BANK3 | 304 W MAIN ST DANVILLE, KY 40422 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 4.48% |
| FARMERS NATIONAL BANK3 | 304 W MAIN STREET DANVILLE, KY 40422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.44% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH CO. | 120 E 4TH ST S1500 CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25 | — | $25 | 0.19% |
| ENERGY INS AGENCY INC3 Filed as: ENERGY INS AGCY INC | PO BOX 55268 LEXINGTON, KY 40555 | ANTHEM LIFE INSURANCE COMPANY | $385 | — | $385 | 11.34% |
| COMPREHENSIVE BUSINESS INSURANCE3 Filed as: COMPREHENSIVE BUSINESS INS SOLUTION | PO BOX 1485 CORBIN, KY 40702 | ANTHEM LIFE INSURANCE COMPANY | $125 | — | $125 | 3.68% |
| MARY DUFF3 | 1005 RICHMOND RD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 2.52% |
| JOHNSON POHLMANN3 | PO BOX 1428 DANVILLE, KY 40423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 2.37% |
| MEDLINK INC3 | PO BOX 23570 LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.72% |
| MARK HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.24% |
| VICKIE E LEWIS3 | 6558 STOVAL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.18% |
| SUZANNE S HENDERSON-CIOTTI3 | 2619 HEDGEPATH TRAIL LOUISVILLE, KY 40245 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| MICHAEL J BOONE3 | 1302 CLEAR SPRINGS TRACE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.03% |
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 | 157 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 129 | $72K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $13K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $102K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $95K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $95K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.