| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INS & INVEST PARTNERS LLC | GRIFFIN MEREDITH 550 S 5TH ST STE 303 LOUISVILLE, KY 40202 | DELTA DENTAL OF KENTUCKY | $5K | $0 | $5K | 10.00% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INS & INVEST ADVISORS | 550 S 5TH ST STE 303 LOUISVILLE, KY 40202 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 6.46% |
| KATIE S BARNES3 | 315 NICHOLAS RIDGE DR ELIZABETHTOWN, KY 42701 | AFLAC | $3K | $130 | $3K | 9.58% |
| PHILIP D BLAKEMAN3 | 217 REMBRANDT DR ELIZABETHTOWN, KY 42701 | AFLAC | $618 | $25 | $643 | 1.78% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INS & INVEST PARTNERS LLC | 550 S 5TH ST UNIT 303 LOUISVILLE, KY 40202 | AFLAC | $578 | $0 | $578 | 1.60% |
| CHRISTOPHER MICHAEL BENNETT3 | 101 SHELTON LN RADCLIFF, KY 40160 | AFLAC | $406 | $2 | $408 | 1.13% |
| PAULA WINCHELL3 Filed as: PAULA WINCHELL-BARTLEY | 940 CORA WILBORN RD SUMMER SHADE, KY 42166 | AFLAC | $264 | $2 | $266 | 0.74% |
| TYLER M TRAVIS3 | 707 LESLIE AVE GLASBOW, KY 42141 | AFLAC | $161 | $0 | $161 | 0.45% |
| CRYSTAL ROSA VERTREES3 | 841 PINE VALLEY DR UNIT 3B ELIZABETHTOWN, KY 42701 | AFLAC | $139 | $0 | $139 | 0.39% |
| DAVID LUURTSEMA3 | 103 APRIL CT ELIZABETHTOWN, KY 42701 | AFLAC | $111 | $25 | $136 | 0.38% |
| MARK GALVIN LLC3 Filed as: MARK ALLEN GALVIN | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $123 | $0 | $123 | 0.34% |
| CHRISTOPER BARNES3 | 12230 S DIXIE HWY SONORA, KY 42776 | AFLAC | $33 | $0 | $33 | 0.09% |
| THE SNYDER BENEFITS FIRM LLC3 | 6133 HORSETAIL DR MCKINNEY, TX 75071 | AFLAC | $24 | $0 | $24 | 0.07% |
| DARRYL J YOUNG3 | 3820 GOLD CITY RD FRANKLIN, KY 42134 | AFLAC | $20 | $0 | $20 | 0.06% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $17 | $0 | $17 | 0.05% |
| JAMES A RIED3 Filed as: JAMES AARON RIED | 444 CEDAR SPRINGS DR TAYLORSVILLE, KY 40071 | AFLAC | $13 | $0 | $13 | 0.04% |
| BROCK POWELL3 | 3654 OGLEBAY DR GREEN COVE SPRINGS, FL 32043 | AFLAC | $12 | $0 | $12 | 0.03% |
| ROGER LEE HOWELL3 | 1296 COOLHOUSE WAY LOUISVILLE, KY 40223 | AFLAC | $11 | $0 | $11 | 0.03% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DR STE 4 NEW LENOX, IL 60451 | AFLAC | $3 | $0 | $3 | 0.01% |
| CLIFFORD FRANKLIN BROOKS3 | 38 BROOKS LN WHITLEY CITY, KY 42653 | 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 INS & INVEST ADVISORS | 550 S 5TH ST STE 303 LOUISVILLE, KY 40202 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 14.82% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INS & INVEST ADVISORS | 550 S 5TH ST STE 303 LOUISVILLE, KY 40202 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 9.82% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INS & INVEST PARTNERS LLC | GRIFFIN MEREDITH 550 S 5TH ST STE 303 LOUISVILLE, KY 40202 | DELTA DENTAL OF KENTUCKY | $1K | $0 | $1K | 10.00% |
| CHRISTY FERGUSON3 | 3280 BAILEY RD MAGNOLIA, KY 42757 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $528 | $2K | 38.10% |
| AUTUMN NICHOLS3 | 85 MONTICELLO PL ELIZABETHTOWN, KY 42701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $497 | $719 | $1K | 23.30% |
| JOE AUSTIN SUMNER3 | 11318 ARBOR WOOD DR LOUISVILLE, KY 40299 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $349 | $105 | $454 | 8.70% |
| MONICA RAPINI3 | 51 SCOOTER CIR HAMBURG, NY 14075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $170 | $83 | $253 | 4.85% |
| KENBANC INSURANCE INC3 Filed as: KENBANC INSURANCE | 600 W MAIN STREET SUITE 400 LOUISVILLE, KY 40202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.63% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD STE LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.04% |
| WILLIAM JACK MITCHELL JR3 | 920 S ASH ST NORTH PLATTE, NE 69101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LN GOSHEN, KY 40026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
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 | 106 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 149 | $52K |
| Vision | DELTA DENTAL OF KENTUCKY | 143 | $10K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 104 | $82K |
| Short-term disability | STANDARD INSURANCE COMPANY | 73 | $13K |
| Long-term disability | STANDARD INSURANCE COMPANY | 104 | $16K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 104 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.