| 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 | 3.41% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $937 | $6K | 11.75% |
| LIB WILSON & ASSOCIATES, INC.3 | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $914 | $16 | $930 | 4.07% |
| CHARLENE MONTGOMERY LLC3 | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $486 | — | $486 | 2.13% |
| POWELL ENTERPRISES LLC3 | 125 PLANTATION CENTRE DRIVE SOUTH SUITE 900 MACON, GA 31210 | AFLAC | $420 | $3 | $423 | 1.85% |
| RUEANN M EMERSON3 | 11561 NUCKOLS ROAD SUITE 100 GLEN ALLEN, VA 23059 | AFLAC | $205 | — | $205 | 0.90% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $142 | — | $142 | 0.62% |
| SHANNON CARPENTER3 | 207 CITATION COURT WINCHESTER, KY 40391 | AFLAC | $125 | — | $125 | 0.55% |
| BRIAN S MARTIN3 Filed as: BRIAN MARTIN | 333 EAST SHORT STREET APARTMENT 130 LEXINGTON, KY 40507 | AFLAC | $74 | — | $74 | 0.32% |
| JEANNE COKER3 | 734 CHEROKEE ROAD LAGRANGE, GA 30240 | AFLAC | $55 | — | $55 | 0.24% |
| R WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $53 | — | $53 | 0.23% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 350 EAST SHORT STREET NUMBER 416 LEXINGTON, KY 40507 | AFLAC | $41 | $3 | $44 | 0.19% |
| DALE DRAGOMIR3 | 202 HUTCHINS DRIVE WILMORE, KY 40390 | AFLAC | $29 | — | $29 | 0.13% |
| CLEO S MARTIN3 | 108 DINTON COURT COLUMBIA, SC 29212 | AFLAC | $22 | — | $22 | 0.10% |
| TERESA WILSON3 | 217 LOGAN LANE NICHOLASVILLE, KY 40356 | AFLAC | $16 | — | $16 | 0.07% |
| BONNIE TAFT3 | 573 CANE STREET HARRODSBURG, KY 40330 | AFLAC | $12 | — | $12 | 0.05% |
| CATHERINE L LEE3 Filed as: CATHERINE LEE | 700 SOUTH HARBOUR ISLAND BOULEVARD TAMPA, FL 33637 | AFLAC | $10 | — | $10 | 0.04% |
| BEVERLY H DRAPER3 | 9086 EAST LA PALMA DRIVE TUCSON, AZ 85747 | AFLAC | $10 | — | $10 | 0.04% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES INC. | 4505 PINE TREE CIRCLE SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $6 | — | $6 | 0.03% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $5 | — | $5 | 0.02% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 7713 INDEPENDENCE PLACE CRESTWOOD, KY 40014 | AFLAC | $5 | — | $5 | 0.02% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA FLY | P.O. BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $5 | — | $5 | 0.02% |
| ARLIS L MCMAHON3 Filed as: ARLIS MCMAHON | 3136 GLEENWOOD DRIVE LEXINGTON, KY 40509 | AFLAC | $4 | — | $4 | 0.02% |
| DEBORAH MCGREGOR ADDESSI3 Filed as: DEBORAH ADDESSI | 1488 LEESTOWN ROAD LEXINGTON, KY 40511 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID EMERSON3 | 4820 LAKE BROOKE DRIVE SUITE 125 GLEN ALLEN, VA 23060 | AFLAC | $2 | — | $2 | 0.01% |
| REGINA CALDWELL3 | 2046 SINKING CREEK ROAD LONDON, KY 40741 | 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 | $387 | $3K | 11.70% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $16 | $4K | 20.48% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | EYEMED | $2K | — | $2K | 10.92% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $538 | $95 | $633 | 11.77% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 3.48% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 2.48% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 1.66% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 1.32% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 351 | $112K |
| Vision | EYEMED | 305 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $53K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 39 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $23K |
| Other(4 contracts, 4 carriers) | AFLAC | 210 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.