| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FARMERS NATIONAL BANK3 | 304 WEST MAIN STREET DANVILLE, KY 40422 | SUN LIFE ASSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.65% |
| FARMERS NATIONAL BANK3 Filed as: FARMERS NAT'L BANK-VALERY MCMANN | 304 WEST MAIN STREET DANVILLE, KY 40422 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 4.69% |
| FARMERS NATIONAL BANK3 | 304 WEST MAIN STREET DANVILLE, KY 40422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.79% |
| ENERGY INS AGENCY INC3 Filed as: ENERGY INS AGCY INC. | P. O. BOX 55268 LEXINGTON, KY 40555 | ANTHEM LIFE INSURANCE COMPANY | $583 | — | $583 | 13.70% |
| JOHNSON POHLMANN3 | P. O. BOX 1428 DANVILLE, KY 40423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 2.94% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 2.91% |
| MEDLINK INC3 Filed as: MEDLINK INC. | P. O. BOX 23570 LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.89% |
| MARK CHRISTOPHER HOLLAND3 | P. O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.26% |
| VICKIE E LEWIS3 Filed as: VICKIE E. LEWIS | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.20% |
| MICHAEL J BOONE3 Filed as: MICHAEL J. BOONE | 1302 CLEAR SPRINGS TRACE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.07% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 300 | $80K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $17K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF AMERICA | 166 | $133K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF AMERICA | 166 | $125K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF AMERICA | 166 | $125K |
| Other | SUN LIFE ASSURANCE COMPANY OF AMERICA | 166 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.