| 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. | $32K | $5K | $38K | 5.49% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | AFLAC | $6K | — | $6K | 8.38% |
| KANSAS DAWN RAY3 | 1695 WOLF HOLLOW ROAD MANITOU, KY 42436 | AFLAC | $2K | — | $2K | 2.78% |
| TERRY D TURNER3 | PO BOX 306 GILBERTSVILLE, KY 42044 | AFLAC | $1K | $208 | $1K | 1.86% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | AFLAC | $1K | $74 | $1K | 1.49% |
| TYLER M TRAVIS3 | 707 LESLIE AVENUE GLASGOW, KY 42141 | AFLAC | $1K | — | $1K | 1.44% |
| CANDICE K PHILLIPS3 | PO BOX 846 MADISONVILLE, KY 42431 | AFLAC | $638 | $180 | $818 | 1.11% |
| CATHERINE JOYCE BRATCHER3 | 724 MCLEOD LANE MADISONVILLE, KY 42431 | AFLAC | $631 | — | $631 | 0.85% |
| ANGELA KAYE DOWDY3 | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $563 | — | $563 | 0.76% |
| ASHLEY BROOKE PLUMMER3 | 1099 DOUGLAS ROAD BELTON, KY 42324 | AFLAC | $518 | — | $518 | 0.70% |
| DENNIS HARTIN3 Filed as: DENNIS SCOTT HARTIN | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $275 | — | $275 | 0.37% |
| BRANDY ANN HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $241 | — | $241 | 0.33% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $130 | — | $130 | 0.18% |
| KAREN M STONE3 | 567 LAKE SCENE DRIVE EDDYVILLE, KY 42038 | AFLAC | $79 | $44 | $123 | 0.17% |
| JOSEPH L EAMES3 | 2624 SOUTH GRIFFITH AVENUE OWENSBORO, KY 42301 | AFLAC | $82 | — | $82 | 0.11% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $65 | — | $65 | 0.09% |
| JOSEPH L EAMES3 | 2854 AVENUE OF THE PARK OWENSBORO, KY 42303 | AFLAC | $62 | — | $62 | 0.08% |
| HEATHER L ELLIOTT3 | PO BOX 427 BENTON, KY 42025 | AFLAC | $44 | $12 | $56 | 0.08% |
| APRIL MARIE BRUCE3 | 600 EAST SONTERRA BOULEVARD APARTMENT 5408 SAN ANTONIO, TX 78258 | AFLAC | $36 | — | $36 | 0.05% |
| DENNIS HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $34 | — | $34 | 0.05% |
| BRADLEY L ELLIS3 | 1500 BEVILLE ROAD SUITE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $30 | — | $30 | 0.04% |
| TASHA W DOSSETT3 Filed as: TASHA W DOZIER | 581 HEARDTOWN ROAD TUPELO, MS 38804 | AFLAC | $23 | — | $23 | 0.03% |
| HIGGINS INSURANCE INC3 | PO BOX 552 HOPKINSVILLE, KY 42241 | AFLAC | $20 | — | $20 | 0.03% |
| WILLIAM L DOZIER JR3 | 351 PASCOE BOULEVARD SUITE 100 BOWLING GREEN, KY 42104 | AFLAC | $16 | — | $16 | 0.02% |
| AMY JOHANNEMANN3 | PO BOX 22806 LOUISVILLE, KY 40252 | AFLAC | $10 | — | $10 | 0.01% |
| TASHA W DOSSETT3 | 581A HEARDTOWN ROAD TUPELO, MS 38804 | AFLAC | $8 | — | $8 | 0.01% |
| MONICA DALBEY3 | 85 ARROWHEAD ROAD EDDYVILLE, KY 42038 | AFLAC | $7 | — | $7 | 0.01% |
| JUSTYN C MELENDEZ3 | 5260 PARKSIDE DRIVE #3D PADUCAH, KY 42001 | AFLAC | $1 | — | $1 | 0.00% |
| JENNIFER KELLER3 Filed as: JENNIFER L KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 15.13% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 12.07% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 109 | $685K |
| Dental | DELTA DENTAL OF KENTUCKY | 168 | $39K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 109 | $685K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 118 | $51K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 118 | $51K |
| Other(2 contracts, 2 carriers) | AFLAC | 118 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.