| 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 | 4.14% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | 1120 MAIN STREET BENTON, KY 42025 | PARAMOUNT DENTAL | $6K | — | $6K | 10.00% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 11.55% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | PO BOX 51 FRANKLIN, KY 42135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $719 | $3K | 30.40% |
| TED BENNETT | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 22.21% |
| LAURA SUMIE CELIS GAMAS3 | 321 E CHALESTOWN AVE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 13.84% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $382 | $155 | $537 | 5.14% |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 212 | $600K |
| Dental | PARAMOUNT DENTAL | 211 | $62K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 212 | $600K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $62K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $62K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $62K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 20 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.