| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIS INSURANCE & INVESTMENTS3 | 550 S 5TH STREET UNIT 303 LOUISVILLE, KY 402024309 | HUMANA HEALTH PLAN, INC. | $12K | $3K | $15K | 3.94% |
| CIS INSURANCE & INVESTMENTS3 | 550 S 5TH STREET UNIT 303 LOUISVILLE, KY 402024309 | THE DENTAL CONCERN, INC. | $3K | $430 | $3K | 6.67% |
| CIS INSURANCE & INVESTMENTS3 | 550 S 5TH STREET UNIT 303 LOUISVILLE, KY 40202 | HUMANA INSURANCE COMPANY OF KENTUCKY | $4K | $353 | $5K | 11.21% |
| KATIE S BARNES3 | 315 NICHOLAS RIDGE DR ELIZABETHTOWN, KY 42701 | AFLAC | $3K | $24 | $3K | 6.90% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INS AND INVETMENT PARTNERS LLC | 550 S 5TH STREET UNIT 303 LOUISVILLE, KY 40202 | AFLAC | $907 | — | $907 | 2.38% |
| PHILLIP D BLAKEMAN3 | 217 REMBRANDT DR ELIZABETHTOWN, KY 42701 | AFLAC | $900 | $4 | $904 | 2.38% |
| TYLER M TRAVIS3 | 707 LESLIE AVE GLASGOW, KY 42141 | AFLAC | $381 | — | $381 | 1.00% |
| MARK GALVIN LLC3 | 204 DEEFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $308 | — | $308 | 0.81% |
| CRYSTAL ROSA VERTREES3 | 92 HAMPTON LN ELIZABETHTOWN, KY 42701 | AFLAC | $241 | — | $241 | 0.63% |
| BARNES & ASSOCIATES INC3 | 315 NICHOLAS RIDGE DR ELIZABETHTOWN, KY 42701 | AFLAC | $74 | — | $74 | 0.19% |
| DARRYL J YOUNG3 | 3820 GOLD CITY RD FRANKLYN, KY 42314 | AFLAC | $22 | — | $22 | 0.06% |
| STEPHEN C SNYDER BENE SOLUTIONS LLC3 | 5954 LEWIS ST UNIT 101 DALLAS, TX 75206 | AFLAC | $20 | — | $20 | 0.05% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $18 | — | $18 | 0.05% |
| JAMES A RIED3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $10 | — | $10 | 0.03% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $10 | — | $10 | 0.03% |
| ROGER LEE HOWELL3 | 3900 CAMBORNE LN LOUISVILLE, KY 40299 | AFLAC | $6 | — | $6 | 0.02% |
| EMPLOYEE BENEFITS & INS SOLUTIONS3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $4 | — | $4 | 0.01% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DR STE 4 NEW LENOX, IL 60451 | AFLAC | $3 | — | $3 | 0.01% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $1 | — | $1 | 0.00% |
| DENNIS HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $1 | — | $1 | 0.00% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INS & INVSTMTS ADVISORS | 550 S 5TH ST STE 101 LOUISVILLE, KY 40202 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 10.00% |
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 | 107 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 63 | $374K |
| Dental | THE DENTAL CONCERN, INC. | 91 | $46K |
| Life insurance | HUMANA INSURANCE COMPANY OF KENTUCKY | 107 | $40K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 187 | $30K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 187 | $30K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 63 | $374K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY OF KENTUCKY | 107 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.