| 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. | $25K | — | $25K | 3.56% |
| 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 | $6K | $2K | $8K | 14.36% |
| SHIRLEY K GOSSUM3 | PO BOX 174 WINGO, KY 42088 | AFLAC | $164 | — | $164 | 3.55% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | AFLAC | $100 | — | $100 | 2.17% |
| HEATHER L ELLIOTT3 | PO BOX 427 BENTON, KY 42025 | AFLAC | $63 | $14 | $77 | 1.67% |
| RONALD H GOSSUM3 | PO BOX 174 WINGO, KY 42088 | AFLAC | $49 | — | $49 | 1.06% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | AFLAC | $43 | — | $43 | 0.93% |
| AMANDA M ROBERTS3 | 1080 STATE ROUTE 1907 FULTON, KY 42041 | AFLAC | $37 | — | $37 | 0.80% |
| GARY W LOVELL3 | PO BOX 90866 NASHVILLE, TN 37209 | AFLAC | $34 | — | $34 | 0.74% |
| JUSTYN C MELENDEZ3 | 5260 PARKSIDE DR #3D PADUCAH, KY 42001 | AFLAC | $20 | $3 | $23 | 0.50% |
| DOWDY INSURANCE3 Filed as: DOWDY INSURANCE LLC | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $22 | — | $22 | 0.48% |
| ANGELA KAYE DOWDY3 | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $22 | — | $22 | 0.48% |
| KAREN M STONE3 | 567 LAKE SCENE DRIVE EDDYVILLE, KY 42038 | AFLAC | $21 | — | $21 | 0.45% |
| TIMOTHY T TEAGUE3 | 5104 RUSSELL ROAD FRANKLIN, TN 37064 | AFLAC | $17 | — | $17 | 0.37% |
| JENNIFER KELLER3 Filed as: JENNIFER L KELLER | 422 FREDERICA ST OWENSBORO, KY 42301 | AFLAC | $11 | $3 | $14 | 0.30% |
| BRANDON H THOMPSON3 | 1086 CEDAR LANE METROPOLIS, IL 62960 | AFLAC | $13 | — | $13 | 0.28% |
| MICHAEL MILO3 | 145 PINE CREEK DRIVE PADUCAH, KY 42001 | AFLAC | $13 | — | $13 | 0.28% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $7 | — | $7 | 0.15% |
| DENNIS HARTIN3 | 12203 STATE STREET TAMPA, FL 33635 | AFLAC | $6 | — | $6 | 0.13% |
| JACK M WILSON3 | 21 MEADOW LINKS DR PADUCAH, KY 42001 | AFLAC | $4 | — | $4 | 0.09% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $3 | — | $3 | 0.06% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $1 | — | $1 | 0.02% |
| TYLER M TRAVIS3 | 707 LESLIE AVENUE GLASGOW, KY 42141 | AFLAC | $1 | — | $1 | 0.02% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY LYNN CASTELLANETA | 276 MONTEREY DRIVE SUITE 4 NEW LENOX, IL 60451 | AFLAC | $1 | — | $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 | 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. | 189 | $699K |
| Dental | HEALTH RESOURCES, INC. | 199 | $58K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 189 | $699K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 177 | $55K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 177 | $55K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 177 | $55K |
| Other | AFLAC | 8 | $5K |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.