| 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. | $22K | $4K | $26K | 5.51% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | AFLAC | $4K | — | $4K | 6.83% |
| KANSAS DAWN RAY3 | 1695 WOLF HOLLOW ROAD MANITOU, KY 42436 | AFLAC | $2K | $225 | $2K | 2.95% |
| CANDICE K PHILLIPS3 | PO BOX 846 MADISONVILLE, KY 42431 | AFLAC | $1K | $381 | $2K | 2.45% |
| FRANK ANTHONY LAIRD3 | 222 KENTUCKY AVENUE SUITE 3 PADUCAH, KY 42003 | AFLAC | $1K | $128 | $1K | 1.83% |
| TYLER M TRAVIS3 | 707 LESLIE AVENUE GLASGOW, KY 42141 | AFLAC | $1K | — | $1K | 1.76% |
| ANGELA KAYE DOWDY3 | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $883 | $19 | $902 | 1.45% |
| DENNIS HARTIN3 Filed as: DENNIS SCOTT HARTIN | 500 KNIGHTS RUN AVENUE UNIT 1801 TAMPA, FL 33602 | AFLAC | $473 | — | $473 | 0.76% |
| BRANDY ANN HARTIN3 | 500 KNIGHTS RUN AVENUE UNIT 1801 TAMPA, FL 33602 | AFLAC | $375 | — | $375 | 0.60% |
| APRIL MARIE BRUCE3 | 502 WEST LULLWOOD AVENUE SAN ANTONIO, TX 78212 | AFLAC | $200 | — | $200 | 0.32% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $190 | — | $190 | 0.31% |
| JOSEPH L EAMES3 | 2624 SOUTH GRIFFITH AVENUE OWENSBORO, KY 42301 | AFLAC | $182 | — | $182 | 0.29% |
| MONICA DALBEY3 | 85 ARROWHEAD ROAD EDDYVILLE, KY 42038 | AFLAC | $87 | $75 | $162 | 0.26% |
| AMY JOHANNEMANN3 Filed as: AMY JOHNANNEMANN | PO BOX 22806 LOUISVILLE, KY 40252 | AFLAC | $114 | — | $114 | 0.18% |
| APRIL MARIE BRUCE3 | 555 BALDWIN ROAD MADISONVILLE, KY 42431 | AFLAC | $98 | — | $98 | 0.16% |
| HEATHER L ELLIOTT3 | PO BOX 427 BENTON, KY 42025 | AFLAC | $36 | $21 | $57 | 0.09% |
| TASHA W DOSSETT3 Filed as: TASHA W DOZIER | 581 HEARDTOWN ROAD TUPELO, MS 38804 | AFLAC | $52 | — | $52 | 0.08% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | AFLAC | $34 | — | $34 | 0.05% |
| WILLIAM L DOZIER JR3 | 351 PASCOE BOULEVARD SUITE 100 BOWLING GREEN, KY 42104 | AFLAC | $26 | — | $26 | 0.04% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $17 | — | $17 | 0.03% |
| DENNIS HARTIN3 | 500 KNIGHTS RUN AVENUE UNIT 1801 TAMPA, FL 33602 | AFLAC | $9 | — | $9 | 0.01% |
| BRADLEY L ELLIS3 | 7713 INDEPENDENCE PLACE CRESTWOOD, KY 40014 | AFLAC | $8 | — | $8 | 0.01% |
| MONICA DALBEY3 | 1600 JACK THOMASON ROAD KUTTAWA, KY 42055 | AFLAC | $7 | — | $7 | 0.01% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 6.94% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | PO BOX 427 BENTON, KY 42025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | PO BOX 427 BENTON, KY 42025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $903 | — | $903 | 15.00% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | PO BOX 427 BENTON, KY 42025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $845 | — | $845 | 15.01% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | PO BOX 427 BENTON, KY 42025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $541 | — | $541 | 18.00% |
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 | 88 | 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) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 90 | $469K |
| Dental | DELTA DENTAL OF KENTUCKY | 124 | $31K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 90 | $469K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 89 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 19 | $6K |
| Other(4 contracts, 2 carriers) | AFLAC | 89 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.