| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 16.23% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $83 | $4K | 9.36% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $112 | $1K | 3.07% |
| DENNIS E TRAYWICK3 | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $367 | $32 | $399 | 1.02% |
| BRANDI TAFT3 | 822 B NEARTOP DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | $18 | $208 | 0.53% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR ROAD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $2 | $128 | 0.33% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $4 | $113 | 0.29% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.18% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| CAROLYN J TATUM3 | PO BOX 338 HOPKINSVILLE, KY 42241 | AFLAC | $296 | — | $296 | 3.06% |
| ADAM WAYNE GLOVER3 | 217 PYLE LANE HOPKINSVILLE, KY 42240 | AFLAC | $180 | — | $180 | 1.86% |
| JAMES WARREN TEAGUE3 | PO BOX 266 MADISONVILLE, KY 42431 | AFLAC | $55 | — | $55 | 0.57% |
| TIMOTHY T TEAGUE3 | 5104 RUSSELL ROAD FRANKLIN, TN 37064 | AFLAC | $48 | — | $48 | 0.50% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $37 | — | $37 | 0.38% |
| TASHA WILBURN DOZIER3 | 151 HIGHLAND RIDGE DRIVE SALTILLO, MS 38866 | AFLAC | $35 | — | $35 | 0.36% |
| BRUCE J HOHLER3 | 2658 PANTALL ROAD THOMPSONS STATION, TN 37179 | AFLAC | $35 | — | $35 | 0.36% |
| RONNIE A TROGDEN3 Filed as: RONNIE TROGDEN | 504 SPRINGMONT DRIVE HOPKINSVILLE, KY 42240 | AFLAC | $31 | — | $31 | 0.32% |
| PAMELA S FALATKO3 Filed as: PAMELA FALATKO | 137 CANDLEWICK CIRCLE PANAMA CITY, FL 32405 | AFLAC | $30 | — | $30 | 0.31% |
| DARRYL J YOUNG3 Filed as: DARRYL YOUNG | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | AFLAC | $20 | — | $20 | 0.21% |
| DENNIS HARTIN3 | 500 KNIGHTS RUN AVENUE UNIT 1801 TAMPA, FL 33602 | AFLAC | $15 | — | $15 | 0.16% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | AFLAC | $12 | — | $12 | 0.12% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | AFLAC | $12 | — | $12 | 0.12% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 7713 INDEPENDENCE PLACE CRESTWOOD, KY 40014 | AFLAC | $11 | — | $11 | 0.11% |
| JAMES STEVENSON3 | 406 DEEPWOOD DRIVE HOPKINSVILLE, KY 42240 | AFLAC | $10 | — | $10 | 0.10% |
| R WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $8 | — | $8 | 0.08% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DRIVE LEBANON, TN 37087 | AFLAC | $6 | — | $6 | 0.06% |
| DENNIS L BRELAND3 Filed as: DENNIS BRELAND | 66880 WOODED ACRES ROAD #A VANCLEAVE, MS 39565 | AFLAC | $4 | — | $4 | 0.04% |
| LARRY RAY WELLS3 | 110 WEST CHOCTAW STREET SUITE C TAHLEQUAH, OK 74464 | AFLAC | $3 | — | $3 | 0.03% |
| RICKY HAMBY3 | 4521 CASKY LANE HOPKINSVILLE, KY 42240 | AFLAC | $3 | — | $3 | 0.03% |
| MICHAEL MCDONALD3 | 329 SOUTH EUCLID AVENUE OAK PARK, IL 60302 | AFLAC | $3 | — | $3 | 0.03% |
| JENNY SEWELL3 | 138 NICKOLAS CIRCLE LEBANON, TN 37087 | AFLAC | $1 | — | $1 | 0.01% |
| THOMAS W BOSTON3 Filed as: THOMAS WORKMAN | PO BOX 17761 COVINGTON, KY 41017 | AFLAC | $1 | — | $1 | 0.01% |
| MARK RICKMAN3 | 387 CEDAR RIDGE ROAD BOWLING GREEN, KY 42101 | AFLAC | $1 | — | $1 | 0.01% |
| VIRGINIA RICKMAN3 | 387 CEDAR RIDGE ROAD BOWLING GREEN, KY 42101 | AFLAC | $1 | — | $1 | 0.01% |
| BRANDY ANN HARTIN3 Filed as: BRANDY HARTIN | 500 KNIGHTS RUN AVENUE UNIT 1801 TAMPA, FL 33602 | AFLAC | $1 | — | $1 | 0.01% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | 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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 115 | $281K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 109 | $61K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 109 | $61K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 115 | $281K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 109 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.