| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | P. O. BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 11.15% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 PO BOX CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 6.17% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.70% |
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEACHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 4.59% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 4000 SMITH ROAD SUITE 400 CINCINNATI, OH 45209 | AFLAC | $985 | — | $985 | 5.32% |
| DAVID HENDERSON3 | 2351 CRESCENT HILL DRIVE OWENSBORO, KY 42303 | AFLAC | $284 | — | $284 | 1.54% |
| EMILY DUNCAN CHAMBERS3 | 673 PROVIDENCE RD LEXINGTON, KY 40502 | AFLAC | $109 | — | $109 | 0.59% |
| ALAN EDRINGTON3 | 9302 HI VIEW LANE LOUISVILLE, KY 40272 | AFLAC | $102 | — | $102 | 0.55% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK RD LONDON, KY 40741 | AFLAC | $72 | — | $72 | 0.39% |
| CHRIS A GEHLHAUSEN3 | 873 3RD AVE JASPER, IN 47546 | AFLAC | $59 | — | $59 | 0.32% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG SUITE 150 COLD SPRING, KY 41076 | AFLAC | $49 | — | $49 | 0.26% |
| LAURA BETH KELLER3 | 141 PROPSPEROUS PL STE 26 LEXTINGTON, KY 40509 | AFLAC | $45 | — | $45 | 0.24% |
| MCGRIFF INSURANCE SERVICES INC3 | P. O. BOX 910610 LEXINGTON, KY 40591 | AFLAC | $40 | — | $40 | 0.22% |
| ANNE T. ALTIERI3 Filed as: ANNE T ALTIERI | 3008 ATKINSON AVE LEXINGTON, KY 40509 | AFLAC | $27 | — | $27 | 0.15% |
| JOHN TYLER & ASSOCIATES3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $27 | — | $27 | 0.15% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 2819 N. PARHAM RD. STE 240 RICHMOND, VA 23294 | AFLAC | $25 | — | $25 | 0.14% |
| BRANDEE L JUSTUS3 Filed as: BRANDEE JUSTUS | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | AFLAC | $23 | — | $23 | 0.12% |
| ROSANNE GARNER3 | 203 N CEDAR ST BONE GAP, IL 62815 | AFLAC | $22 | — | $22 | 0.12% |
| DALE I DAVIS3 | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $22 | — | $22 | 0.12% |
| MCGRIFF INSURANCE SERVICES INC3 | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | AFLAC | $20 | — | $20 | 0.11% |
| RUEANN EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $19 | — | $19 | 0.10% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $17 | — | $17 | 0.09% |
| JAMES A RIED3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $17 | — | $17 | 0.09% |
| MARK MYERS3 | 1745 N 75 E WASHINGTON, IN 47501 | AFLAC | $15 | — | $15 | 0.08% |
| BRIAN S MARTIN3 | 3280 BLAZER PARKWAY STE 201 LEXINGTON, KY 40509 | AFLAC | $14 | — | $14 | 0.08% |
| LAURA J NEWMAN-SUTER3 Filed as: LAURA NEWMAN-SUTER | 414 CHINOE ROAD LEXINGTON, KY 40502 | AFLAC | $12 | — | $12 | 0.06% |
| CAROLYN J HINKLE3 | 1372 COUNTY ROAD 2200 E FAIRFIELD, IL 62837 | AFLAC | $12 | — | $12 | 0.06% |
| AMY E COHEN3 Filed as: AMY GEHLHAUSEN | 3115 HOWARD DRIVE JASPER, IN 47546 | AFLAC | $11 | — | $11 | 0.06% |
| DAYTON LLC3 | 5445 DTC PKWY STE 1036 GREENWOOD VILLE, CO 80111 | AFLAC | $11 | — | $11 | 0.06% |
| JOHN T CLANCY3 Filed as: JOHN CLANCY | 4025 PETE DYE BLVD. CARMEL, IN 46033 | AFLAC | $9 | — | $9 | 0.05% |
| MARK A WOJDA3 | 631 GREENFORD TRL W CARMEL, IN 46032 | AFLAC | $9 | — | $9 | 0.05% |
| LIB WILSON & ASSOCIATES, INC.3 | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $7 | — | $7 | 0.04% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA FLY | P. O. BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $7 | — | $7 | 0.04% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P. O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $7 | — | $7 | 0.04% |
| TRAVIS COCKBURN3 Filed as: TRAVIS J COCKBURN | PO BOX 335 JOHNSON CITY, IL 62951 | AFLAC | $6 | — | $6 | 0.03% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $4 | — | $4 | 0.02% |
| EMPLOYEE BENEFITS & INS SOLUTIONS3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID A EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 27405 | AFLAC | $2 | — | $2 | 0.01% |
| GARY W WARE JR3 | 3103 MEADOWBROOK DR CHAMPAIGN, IL 61822 | AFLAC | $2 | — | $2 | 0.01% |
| BRADLEY L ELLIS3 | 11226 JORDAN CT PARKER, CO 80134 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID A EMERSON3 | 4038 BATIK CT LELAND, NC 28451 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN R KIMMEL3 | 309 BRAESWICK DR LAKE ST LOUIS, MO 63367 | 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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 271 | $86K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $172K |
| Long-term disability | STANDARD INSURANCE COMPANY | 216 | $197K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 327 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.