| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INS & INVSTMTS ADVISORS | 550 S 5TH ST STE 101 LOUISVILLE, KY 402022488 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 13.89% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INSURANCE & INVESTMENTS PRTNRS | 550 S 5TH STREET UNIT 303 LOUISVILLE, KY 40202 | DELTA DENTAL OF KENTUCKY, INC. | $4K | — | $4K | 9.21% |
| KATIE S BARNES3 | 315 NICHOLAS RIDGE DR ELIZABETHTOWN, KY 42701 | AFLAC | $3K | $73 | $3K | 7.35% |
| PHILLIP D BLAKEMAN3 | 217 REMBRANDT DR ELIZABETHTOWN, KY 42701 | AFLAC | $864 | $15 | $879 | 2.48% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INS AND INVETMENT PARTNERS LLC | 550 S 5TH STREET UNIT 303 LOUISVILLE, KY 40202 | AFLAC | $755 | — | $755 | 2.13% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $369 | $15 | $384 | 1.09% |
| TYLER M TRAVIS3 | 707 LESLIE AVE GLASGOW, KY 42141 | AFLAC | $246 | — | $246 | 0.70% |
| CRYSTAL ROSA VERTREES3 | 92 HAMPTON LN ELIZABETHTOWN, KY 42701 | AFLAC | $228 | — | $228 | 0.64% |
| BARNES & ASSOCIATES INC3 | 315 NICHOLAS RIDGE DR ELIZABETHTOWN, KY 42701 | AFLAC | $65 | — | $65 | 0.18% |
| DARRYL J YOUNG3 | 3820 GOLD CITY RD FRANKLYN, KY 42314 | AFLAC | $21 | — | $21 | 0.06% |
| THE BENEFITS FIRM3 Filed as: THE BENEFITS FIRM LLC | 6133 HORSETAIL DR MCKINNEY, TX 75071 | AFLAC | $20 | — | $20 | 0.06% |
| 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 | $14 | — | $14 | 0.04% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $11 | — | $11 | 0.03% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DR STE 4 NEW LENOX, IL 60451 | AFLAC | $3 | — | $3 | 0.01% |
| STEPHEN C SNYDER BENE SOLUTIONS LLC3 | 5954 LEWIS ST UNIT 101 DALLAS, TX 75206 | AFLAC | $2 | — | $2 | 0.01% |
| DENNIS HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $1 | — | $1 | 0.00% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $1 | — | $1 | 0.00% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY, INC. | 143 | $47K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 99 | $82K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 99 | $82K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 99 | $82K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 99 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.