| 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 | $12K | — | $12K | 14.75% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INSURANCE & INVESTMENTS PRTNRS | 550 S 5TH STREET UNIT 303 LOUISVILLE, KY 40202 | DELTA DENTAL OF KENTUCKY, INC. | $5K | — | $5K | 9.22% |
| KATIE S BARNES3 | 315 NICHOLAS RIDGE DR ELIZABETHTOWN, KY 42701 | AFLAC | $2K | $61 | $2K | 6.73% |
| PHILLIP D BLAKEMAN3 | 217 REMBRANDT DR ELIZABETHTOWN, KY 42701 | AFLAC | $885 | $14 | $899 | 2.52% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INS AND INVESTMENT PARTNERS LLC | 550 S 5TH STREET UNIT 303 LOUISVILLE, KY 40202 | AFLAC | $639 | — | $639 | 1.79% |
| EMILY BERNARDI3 | 300 AZALEA PARK TRL APT 49 RADCLIFF, KY 40160 | AFLAC | $564 | — | $564 | 1.58% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $494 | $14 | $508 | 1.43% |
| TYLER M TRAVIS3 | 707 LESLIE AVE GLASGOW, KY 42141 | AFLAC | $208 | — | $208 | 0.58% |
| CRYSTAL ROSA VERTREES3 Filed as: CRYSTAL VERTREES | 92 HAMPTON LN ELIZABETHTOWN, KY 42701 | AFLAC | $199 | — | $199 | 0.56% |
| CHRISTOPHER BARNES3 | 125 VINELAND PARKWAY DR VINE GROVE, KY 40175 | AFLAC | $44 | — | $44 | 0.12% |
| DARRYL J YOUNG3 | 3820 GOLD CITY RD FRANKLYN, KY 42314 | AFLAC | $23 | — | $23 | 0.06% |
| THE SNYDER BENEFITS FIRM LLC3 | 6133 HORSETAIL DR MCKINNEY, TX 75071 | AFLAC | $23 | — | $23 | 0.06% |
| R WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $19 | — | $19 | 0.05% |
| JAMES A RIED3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $15 | — | $15 | 0.04% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $12 | — | $12 | 0.03% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY CASTELLANETA | 276 MONTEREY DR STE 4 NEW LENOX, IL 60451 | AFLAC | $4 | — | $4 | 0.01% |
| ROGER LEE HOWELL3 | 1296 COOLHOUSE WAY LOUISVILLE, KY 40223 | AFLAC | $4 | — | $4 | 0.01% |
| DENNIS HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $1 | — | $1 | 0.00% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY, INC. | 136 | $51K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 103 | $78K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 103 | $78K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 103 | $78K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 103 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.