| 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. | $23K | $2K | $26K | 4.88% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | AFLAC | $5K | — | $5K | 6.80% |
| KANSAS DAWN RAY3 | 1695 WOLF HOLLOW ROAD MANITOU, KY 42436 | AFLAC | $2K | $172 | $2K | 2.84% |
| CANDICE K PHILLIPS3 | PO BOX 846 MADISONVILLE, KY 42431 | AFLAC | $1K | $155 | $1K | 1.84% |
| FRANK ANTHONY LAIRD3 | 222 KENTUCKY AVENUE SUITE 3 PADUCAH, KY 42003 | AFLAC | $1K | $70 | $1K | 1.56% |
| TYLER M TRAVIS3 | 707 LESLIE AVENUE GLASGOW, KY 42141 | AFLAC | $832 | — | $832 | 1.20% |
| ANGELA KAYE DOWDY3 | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $828 | — | $828 | 1.20% |
| DENNIS HARTIN3 Filed as: DENNIS SCOTT HARTIN | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $397 | — | $397 | 0.57% |
| TERRY D TURNER3 | PO BOX 306 GILBERTSVILLE, KY 42044 | AFLAC | $393 | — | $393 | 0.57% |
| BRANDY ANN HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $383 | — | $383 | 0.55% |
| RACHEL LEAH MOORE3 | 40 CRAIG LANE GREENSVILLE, KY 42345 | AFLAC | $224 | $5 | $229 | 0.33% |
| JOSEPH L EAMES3 | 2624 SOUTH GRIFFITH AVENUE OWENSBORO, KY 42301 | AFLAC | $179 | — | $179 | 0.26% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $177 | — | $177 | 0.26% |
| APRIL MARIE BRUCE3 | 502 WEST LULLWOOD AVENUE SAN ANTONIO, TX 78212 | AFLAC | $61 | $92 | $153 | 0.22% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $87 | — | $87 | 0.13% |
| CANDICE K PHILLIPS3 | P O BOX 846 MADISONVILLE, KY 42431 | AFLAC | $84 | — | $84 | 0.12% |
| DENNIS HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $49 | — | $49 | 0.07% |
| STEVEN KYLE DUNBAR3 | 1852 STATE ROUTE 874 CLAY, KY 42404 | AFLAC | $47 | — | $47 | 0.07% |
| AMY JOHANNEMANN3 Filed as: AMY JOHNANNEMANN | PO BOX 22806 LOUISVILLE, KY 40252 | AFLAC | $46 | — | $46 | 0.07% |
| HEATHER L ELLIOTT3 | PO BOX 427 BENTON, KY 42025 | AFLAC | $41 | — | $41 | 0.06% |
| BRADLEY L ELLIS3 | 7713 INDEPENDENCE PLACE CRESTWOOD, KY 40014 | AFLAC | $39 | — | $39 | 0.06% |
| APRIL MARIE BRUCE3 | 600 EAST SONTERRA BOULEVARD APPARTMENT 5408 SAN ANTONIO, TX 78258 | AFLAC | $35 | — | $35 | 0.05% |
| KAREN M STONE3 | 567 LAKE SCENE DRIVE EDDYVILLE, KY 42038 | AFLAC | $34 | — | $34 | 0.05% |
| TASHA W DOSSETT3 Filed as: TASHA W DOZIER | 581 HEARDTOWN ROAD TUPELO, MS 38804 | AFLAC | $30 | — | $30 | 0.04% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | AFLAC | $20 | — | $20 | 0.03% |
| MONICA DALBEY3 | 85 ARROWHEAD ROAD EDDYVILLE, KY 42038 | AFLAC | $19 | — | $19 | 0.03% |
| WILLIAM L DOZIER JR3 | 351 PASCOE BOULEVARD SUITE 100 BOWLING GREEN, KY 42104 | AFLAC | $16 | — | $16 | 0.02% |
| MONICA DALBEY3 | 1600 JACK THOMASON ROAD KUTTAWA, KY 42055 | AFLAC | $6 | — | $6 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 400 SMITH ROAD SUITE 400 CINCINNATI, OH 45209 | AFLAC | $6 | — | $6 | 0.01% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 13.74% |
| 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 | $1K | — | $1K | 15.00% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | PO BOX 427 BENTON, KY 42025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | PO BOX 427 BENTON, KY 42025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $755 | — | $755 | 18.01% |
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 | 90 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 93 | $527K |
| Dental | DELTA DENTAL OF KENTUCKY | 114 | $31K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 93 | $527K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $8K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 21 | $8K |
| Other(4 contracts, 2 carriers) | AFLAC | 99 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.