| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 3.36% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $6K | 11.97% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $197 | $5K | 21.01% |
| LIB WILSON & ASSOCIATES, INC.3 | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $1K | $261 | $1K | 5.69% |
| CHARLENE MONTGOMERY LLC3 | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $705 | $109 | $814 | 3.61% |
| POWELL ENTERPRISES LLC3 | 400 DABNEY DRIVE APARTMENT 1 LEXINGTON, KY 40509 | AFLAC | $490 | $87 | $577 | 2.56% |
| RUEANN M EMERSON3 | 4820 LAKE BROOK DRIVE SUITE 125 GLEN ALLEN, VA 23060 | AFLAC | $271 | $87 | $358 | 1.59% |
| BRIAN S MARTIN3 | 333 EAST SHORT STREET SUITE 130 LEXINGTON, KY 40508 | AFLAC | $179 | $63 | $242 | 1.07% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40220 | AFLAC | $140 | $87 | $227 | 1.01% |
| LESLIE K KIMBROUGH3 | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $135 | — | $135 | 0.60% |
| SHANNON CARPENTER3 | 207 CITATION COURT WINCHESTER, KY 40391 | AFLAC | $119 | — | $119 | 0.53% |
| JEANNE L COKER3 | 734 CHEROKEE ROAD LAGRANGE, GA 30240 | AFLAC | $61 | — | $61 | 0.27% |
| DALE DRAGOMIR3 | 202 HUTCHINS DRIVE WILMORE, KY 40390 | AFLAC | $30 | — | $30 | 0.13% |
| RUEANN EMERSON3 | 4820 LAKE BROOK DRIVE SUITE 125 GLEN ALLEN, VA 23060 | AFLAC | $27 | — | $27 | 0.12% |
| CLEO S MARTIN3 | 108 DINTON COURT COLUMBIA, SC 29212 | AFLAC | $20 | — | $20 | 0.09% |
| TERESA WILSON3 | 217 LOGAN LANE NICHOLASVILLE, KY 40356 | AFLAC | $15 | — | $15 | 0.07% |
| BONNIE L TAFT3 | 179 HOLSTEIN LANE TOMS BROOK, VA 22660 | AFLAC | $14 | — | $14 | 0.06% |
| JEANNE L COKER3 | 9265 GOTHA ROAD WINDERMERE, FL 34786 | AFLAC | $14 | — | $14 | 0.06% |
| CATHERINE L LEE3 | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | AFLAC | $12 | — | $12 | 0.05% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES INC. | 4505 PINE TREE CIRCLE SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $9 | — | $9 | 0.04% |
| BEVERLY H DRAPER3 | 9086 E LA PALMA DRIVE TUCSON, AZ 85747 | AFLAC | $9 | — | $9 | 0.04% |
| DEBORAH MCGREGOR ADDESSI3 | 1488 LEESTOWN ROAD LEXINGTON, KY 40511 | AFLAC | $4 | — | $4 | 0.02% |
| JANET C. HUNTER3 Filed as: JANET C HUNTER | 1047 CREEKSIDE LANE NICHOLASVILLE, KY 40356 | AFLAC | $3 | — | $3 | 0.01% |
| CATHERINE L LEE3 | 5400 ETTA BURKE COURT RALEIGH, NC 27606 | AFLAC | $3 | — | $3 | 0.01% |
| DALE I DAVIS3 | 350 EAST SHORT STREET NUMBER 416 LEXINGTON, KY 40507 | AFLAC | $2 | — | $2 | 0.01% |
| RPM LTD3 | P.O. BOX 484 BLOOMINDALE, GA 31302 | AFLAC | $1 | — | $1 | 0.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $425 | $3K | 11.93% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.96% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $544 | $103 | $647 | 11.88% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 3.80% |
| MARY DUFF3 | 176 PASADENA DRIVE LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 2.70% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 2.14% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 1.11% |
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 | 205 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 360 | $114K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 326 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 205 | $54K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 37 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 205 | $22K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.