| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 13.71% |
| HIGGINS INSURANCE INC3 | 1819 EAST 9TH STREET HOPKINSVILLE, KY 42240 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 2.51% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $185 | $4K | 10.57% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $414 | $2K | 4.81% |
| DENNIS E TRAYWICK3 | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $401 | $54 | $455 | 1.31% |
| BRANDI TAFT3 | 822 B NEARTOP DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | $17 | $305 | 0.88% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR ROAD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $8 | $219 | 0.63% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $8 | $131 | 0.38% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.24% |
| MIKE TERRY3 | PO BOX 21729 LEXINGON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| RICHARD RAMEY3 Filed as: RICHARD THARRINGTON | 1053 BULLARD COURT RALEIGH, NC 27615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CAROLYN J TATUM3 | PO BOX 338 HOPKINSVILLE, KY 42241 | AFLAC | $267 | — | $267 | 2.40% |
| ADAM WAYNE GLOVER3 | 217 PYLE LANE HOPKINSVILLE, KY 42240 | AFLAC | $199 | — | $199 | 1.79% |
| LUTON TATUM3 | PO BOX 338 HOPKINSVILLE, KY 42240 | AFLAC | $95 | — | $95 | 0.86% |
| JAMES WARREN TEAGUE3 | PO BOX 266 MADISONVILLE, KY 42431 | AFLAC | $63 | — | $63 | 0.57% |
| TIMOTHY T TEAGUE3 | 5104 RUSSELL ROAD FRANKLIN, TN 37064 | AFLAC | $53 | — | $53 | 0.48% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $40 | — | $40 | 0.36% |
| BRUCE J HOHLER3 | 2658 PANTALL ROAD THOMPSONS STATION, TN 42240 | AFLAC | $35 | — | $35 | 0.32% |
| PAMELA S FALATKO3 | 137 CANDLEWICK CIRCLE PANAMA CITY, FL 32405 | AFLAC | $31 | — | $31 | 0.28% |
| RONNIE A TROGDEN3 | 504 SPRINGMONT DRIVE HOPKINSVILLE, KY 42240 | AFLAC | $31 | — | $31 | 0.28% |
| TASHA W DOSSETT3 Filed as: TASHA W DOZIER | 581 HEARDTOWN ROAD TUPELO, MS 38804 | AFLAC | $29 | — | $29 | 0.26% |
| DARRYL J YOUNG3 | 4522 SHADY PLACE COURT BOWLING GREEN, KY 42104 | AFLAC | $21 | — | $21 | 0.19% |
| DENNIS HARTIN3 Filed as: DENNIS SCOTT HARTIN | 14506 MIRASOL MANOR COURT TAMPA, FL 33626 | AFLAC | $14 | — | $14 | 0.13% |
| RICKY HAMBY3 Filed as: RICKY L HAMBY | 4521 CASKY LANE HOPKINSVILLE, KY 42240 | AFLAC | $14 | — | $14 | 0.13% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | AFLAC | $12 | — | $12 | 0.11% |
| DWIGHT GOSSETT3 Filed as: DWIGHT D GOSSETT | 13070 ABRAHAM RUN CARMEL, IN 46033 | AFLAC | $12 | — | $12 | 0.11% |
| BRADLEY L ELLIS3 | 7713 INDEPENDENCE PLACE CRESTWOOD, KY 40014 | AFLAC | $10 | — | $10 | 0.09% |
| JAMES STEVENSON3 Filed as: JAMES T STEVENSON | 241 REMINGTON ROAD HOPKINSVILLE, KY 42240 | AFLAC | $9 | — | $9 | 0.08% |
| CHARLIE G JOHNSTON3 | 1124 JIM MEYER DRIVE #A ALEXANDRIA, LA 71303 | AFLAC | $9 | — | $9 | 0.08% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $8 | — | $8 | 0.07% |
| WILLIAM L DOZIER JR3 | 351 PASCOE BOULEVARD SUITE 100 BOWLING GREEN, KY 42104 | AFLAC | $6 | — | $6 | 0.05% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DRIVE LEBANON, TN 37087 | AFLAC | $6 | — | $6 | 0.05% |
| LARRY RAY WELLS3 | 110 WEST CHOCTAW STREET SUITE C TAHLEQUAH, OK 74464 | AFLAC | $5 | — | $5 | 0.05% |
| DENNIS L BRELAND3 | 6600 WOODED ACRES ROAD VANCLEAVE, MS 39565 | AFLAC | $4 | — | $4 | 0.04% |
| JOHN H SEWELL3 | 1933 SHENANDOAH TRAIL LEBANON, TN 37087 | AFLAC | $1 | — | $1 | 0.01% |
| MARK RICKMAN3 Filed as: MARK A RICKMAN | 387 CEDAR RIDGE ROAD BOWLING GREEN, KY 42101 | AFLAC | $1 | — | $1 | 0.01% |
| MURREL RICKMAN3 | 387 CEDAR RIDGE ROAD BOWLING GREEN, KY 42101 | AFLAC | $1 | — | $1 | 0.01% |
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 | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 116 | $290K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $60K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $60K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 116 | $290K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.