| 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 | $14K | — | $14K | 16.30% |
| 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 | 9.97% |
| KATIE S BARNES3 | 315 NICHOLAS RIDGE DR ELIZABETHTOWN, KY 42701 | AFLAC | $2K | $41 | $2K | 6.67% |
| PHILLIP D BLAKEMAN3 | 217 REMBRANDT DR ELIZABETHTOWN, KY 42701 | AFLAC | $762 | $31 | $793 | 2.48% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INS AND INVESTMENT PARTNERS LLC | 550 S 5TH STREET UNIT 303 LOUISVILLE, KY 40202 | AFLAC | $528 | — | $528 | 1.65% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $372 | $31 | $403 | 1.26% |
| TYLER M TRAVIS3 | 707 LESLIE AVE GLASGOW, KY 42141 | AFLAC | $172 | — | $172 | 0.54% |
| CRYSTAL ROSA VERTREES3 | 92 HAMPTON LN ELIZABETHTOWN, KY 42701 | AFLAC | $149 | — | $149 | 0.47% |
| CHRISTOPHER BARNES3 | 125 VINELAND PARKWAY DR VINE GROVE, KY 40175 | AFLAC | $41 | — | $41 | 0.13% |
| DARRYL J YOUNG3 | 3820 GOLD CITY RD FRANKLYN, KY 42314 | AFLAC | $21 | — | $21 | 0.07% |
| THE SNYDER BENEFITS FIRM LLC3 | 6133 HORSETAIL DR MCKINNEY, TX 75071 | AFLAC | $21 | — | $21 | 0.07% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $18 | — | $18 | 0.06% |
| 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% |
| ROGER LEE HOWELL3 | 1296 COOLHOUSE WAY LOUISVILLE, KY 40223 | AFLAC | $11 | — | $11 | 0.03% |
| AMBER NICOLE RICHARDSON3 | 5836 BROOKS HILL RD BROOKS, KY 40109 | AFLAC | $11 | — | $11 | 0.03% |
| DAVID LUURTSEMA3 | 326 OLD CARDINAL DR ELIZABETHTOWN, KY 42701 | AFLAC | $6 | — | $6 | 0.02% |
| REBECCA ANN DOEPKE3 | 6312 MISTFLOWER CIR PROSPECT, KY 40059 | AFLAC | $4 | — | $4 | 0.01% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY CASTELLANETA | 276 MONTEREY DR STE 4 NEW LENOX, IL 60451 | AFLAC | $3 | — | $3 | 0.01% |
| TIFFANY ANN AKERS3 | 487 NORMANDY STATION RD TAYLORSVILLE, KY 40071 | AFLAC | $3 | — | $3 | 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% |
| DAVID M WATSON3 | 3912 FALLEN TIMBER DR LOUISVILLE, KY 40241 | AFLAC | $1 | — | $1 | 0.00% |
| CIS INSURANCE AND INVESTMENT PRTNRS3 | 550 S 5TH STREET STE 303 LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $861 | — | $861 | 9.20% |
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 | 94 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY, INC. | 140 | $48K |
| Vision | DELTA DENTAL OF KENTUCKY | 122 | $9K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $85K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $85K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $85K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.