| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $23K | — | $23K | 4.25% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | 1120 MAIN STREET BENTON, KY 42025 | HEALTH RESOURCES, INC. | $6K | — | $6K | 10.00% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 11.52% |
| SHIRLEY K GOSSUM3 | PO BOX 174 WINGO, KY 42088 | AFLAC | $241 | — | $241 | 3.84% |
| HEATHER L ELLIOTT3 | PO BOX 427 BENTON, KY 42025 | AFLAC | $177 | — | $177 | 2.82% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | AFLAC | $123 | — | $123 | 1.96% |
| RONALD H GOSSUM3 | PO BOX 174 WINGO, KY 42088 | AFLAC | $73 | — | $73 | 1.16% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | AFLAC | $56 | — | $56 | 0.89% |
| ANGELA KAYE DOWDY3 | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $53 | — | $53 | 0.84% |
| GARY W LOVELL3 | PO BOX 682146 FRANKLIN, TN 37068 | AFLAC | $51 | — | $51 | 0.81% |
| JUSTYN C MELENDEZ3 | 5260 PARKSIDE DR #3D PADUCAH, KY 42001 | AFLAC | $41 | — | $41 | 0.65% |
| AMANDA M ROBERTS3 | 1080 STATE ROUTE 1907 FULTON, KY 42041 | AFLAC | $31 | — | $31 | 0.49% |
| JENNIFER KELLER3 Filed as: JENNIFER L KELLER | 422 FREDERICA ST OWENSBORO, KY 42301 | AFLAC | $26 | — | $26 | 0.41% |
| TIMOTHY T TEAGUE3 | 5104 RUSSELL ROAD FRANKLIN, TN 37064 | AFLAC | $24 | — | $24 | 0.38% |
| KAREN M STONE3 | 567 LAKE SCENE DRIVE EDDYVILLE, KY 42038 | AFLAC | $23 | — | $23 | 0.37% |
| BRANDON H THOMPSON3 | 1086 CEDAR LANE METROPOLIS, IL 62960 | AFLAC | $22 | — | $22 | 0.35% |
| MICHAEL MILO3 | 145 PINE CREEK DRIVE PADUCAH, KY 42001 | AFLAC | $19 | — | $19 | 0.30% |
| DENNIS HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $10 | — | $10 | 0.16% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $9 | — | $9 | 0.14% |
| JACK M WILSON3 | 21 MEADOW LINKS DR PADUCAH, KY 42001 | AFLAC | $9 | — | $9 | 0.14% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $4 | — | $4 | 0.06% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY LYNN CASTELLANETA | 276 MONTEREY DRIVE SUITE 4 NEW LENOX, IL 60451 | AFLAC | $1 | — | $1 | 0.02% |
| TYLER M TRAVIS3 | 707 LESLIE AVENUE GLASGOW, KY 42141 | AFLAC | $1 | — | $1 | 0.02% |
| BRADLEY L ELLIS3 | 1500 BEVILLE ROAD SUITE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $1 | — | $1 | 0.02% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | 1120 MAIN STREET BENTON, KY 42025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $465 | — | $465 | 10.00% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | 1120 MAIN STREET BENTON, KY 42025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $434 | — | $434 | 10.01% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | 1120 MAIN STREET BENTON, KY 42025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $251 | — | $251 | 10.02% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | 1120 MAIN STREET BENTON, KY 42025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $245 | — | $245 | 10.02% |
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 | 103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 197 | $538K |
| Dental | HEALTH RESOURCES, INC. | 199 | $58K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 197 | $538K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $46K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $44K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $44K |
| Other(3 contracts, 2 carriers) | AFLAC | 103 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.