| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INSURANCE & INVESTMENT PARTNERS | GRIFFIN MEREDITH 550 S 5TH ST, STE 303 LOUISVILLE, KY 40202 | DELTA DENTAL OF KENTUCKY | $5K | $0 | $5K | 9.98% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INSURANCE & INVESTMENTS ADVISOR | 550 S 5TH ST STE 303 LOUISVILLE, KY 40202 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 6.60% |
| KATIE S BARNES3 | 315 NICHOLAS RIDGE DR ELIZABETHTOWN, KY 42701 | AFLAC | $3K | $164 | $3K | 8.91% |
| PHILLIP D BLAKEMAN3 | 217 REMBRANDT DR ELIZABETHTOWN, KY 42701 | AFLAC | $1K | $44 | $1K | 3.17% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INSURANCE & INVESTMENT PARTNERS | 550 S 5TH ST STE 303 LOUISVILLE, KY 40202 | AFLAC | $529 | $0 | $529 | 1.57% |
| DAVID LUURTSEMA3 | 326 OLD CARDINAL DR ELIZABETHTOWN, KY 42701 | AFLAC | $224 | $7 | $231 | 0.68% |
| TYLER M TRAVIS3 | 707 LESLIE AVE GLASGOW, KY 42141 | AFLAC | $171 | $0 | $171 | 0.51% |
| MARK GALVIN LLC3 Filed as: MARK ALLEN GALVIN | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $145 | $21 | $166 | 0.49% |
| CRYSTAL ROSA VERTREES3 | 92 HAMPTON LN ELIZABETHTOWN, KY 42701 | AFLAC | $145 | $0 | $145 | 0.43% |
| MARK GALVIN LLC3 Filed as: MARK A GALVIN | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $99 | $0 | $99 | 0.29% |
| CHRISTOPHER BARNES3 | 12230 S DIXIE HWY SONORA, KY 42776 | AFLAC | $41 | $0 | $41 | 0.12% |
| DARRYL J YOUNG3 | 3820 GOLD CITY RD FRANKLIN, KY 42134 | AFLAC | $21 | $0 | $21 | 0.06% |
| THE SNYDER BENEFITS FIRM LLC3 | 6133 HORSETAIL DR MCKINNEY, TX 75071 | AFLAC | $21 | $0 | $21 | 0.06% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $18 | $0 | $18 | 0.05% |
| JAMES A RIED3 | 150 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $12 | $0 | $12 | 0.04% |
| ROGER LEE HOWELL3 | 1296 COOLHOUSE WAY LOUISVILLE, KY 40223 | AFLAC | $11 | $0 | $11 | 0.03% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $6 | $0 | $6 | 0.02% |
| BROCK POWELL3 | 3654 OGLEBAY DR GREEN COVE SPRINGS, FL 32043 | AFLAC | $6 | $0 | $6 | 0.02% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DR STE 4 NEW LENNOX, IL 60451 | AFLAC | $3 | $0 | $3 | 0.01% |
| JAMES A RIED3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $2 | $0 | $2 | 0.01% |
| CHRISTOPHER MICHAEL BENNETT3 | 101 SHELTON LN RADCLIFF, KY 40160 | AFLAC | $2 | $0 | $2 | 0.01% |
| PAULA WINCHELL3 | 940 CORA WILBORN RD SUMMER SHADE, KY 42166 | AFLAC | $1 | $0 | $1 | 0.00% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $1 | $0 | $1 | 0.00% |
| DENNIS HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $1 | $0 | $1 | 0.00% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INSURANCE & INVESTMENTS ADVISOR | 550 S 5TH ST STE 303 LOUISVILLE, KY 40202 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INSURANCE & INVESTMENTS ADVISOR | 550 S 5TH ST STE 303 LOUISVILLE, KY 40202 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 10.07% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INSURANCE & INVESTMENT PARTNERS | GRIFFIN MEREDITH 550 S 5TH ST, STE 303 LOUISVILLE, KY 40202 | DELTA DENTAL OF KENTUCKY | $983 | $0 | $983 | 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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 140 | $51K |
| Vision | DELTA DENTAL OF KENTUCKY | 131 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 98 | $38K |
| Short-term disability | STANDARD INSURANCE COMPANY | 70 | $12K |
| Long-term disability | STANDARD INSURANCE COMPANY | 98 | $15K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 98 | $72K |
| 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."
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.