| 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 | $1K | $6K | 12.00% |
| LIB WILSON & ASSOCIATES, INC.3 | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $901 | — | $901 | 3.58% |
| LAURA MONTGOMERY3 | 1633 LITTLE HICKMAN ROAD NICHOLASVILLE, KY 40356 | AFLAC | $845 | — | $845 | 3.36% |
| CHARLENE MONTGOMERY LLC3 | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $653 | — | $653 | 2.59% |
| POWELL ENTERPRISES LLC3 | 170 SOUTHERN BOULEVARD SUITE 103A SAVNNAH, GA 31405 | AFLAC | $362 | — | $362 | 1.44% |
| BRIAN S MARTIN3 Filed as: BRIAN MARTIN | 3280 BLAZER PARKWAY SUITE 201 LEXINGTON, KY 40509 | AFLAC | $305 | — | $305 | 1.21% |
| ETHAN HAYEN3 | 11540 NORTH MAY AVENUE APARTMENT 107 OKLAHOMA CITY, OK 73120 | AFLAC | $283 | — | $283 | 1.12% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 1856 TRAVELLER ROAD LEXINGTON, KY 40504 | AFLAC | $217 | — | $217 | 0.86% |
| RUEANN EMERSON3 | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AFLAC | $198 | — | $198 | 0.79% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $142 | — | $142 | 0.56% |
| SHANNON CARPENTER3 | 135 EDGEWOOD ROAD MIDDLESBORO, KY 40965 | AFLAC | $125 | — | $125 | 0.50% |
| R WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUSIVILLE, KY 40222 | AFLAC | $50 | — | $50 | 0.20% |
| CLEO MARTIN3 | 108 DINTON COURT COLUMBIA, SC 29212 | AFLAC | $22 | — | $22 | 0.09% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $21 | — | $21 | 0.08% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 1500 BEVILLE ROAD SUITE 606 DAYTONA BEACH, FL 32114 | AFLAC | $21 | — | $21 | 0.08% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA FLY | P.O. BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $19 | — | $19 | 0.08% |
| DALE DRAGOMIR3 | 202 HUTCHINS DRIVE WILMORE, KY 40390 | AFLAC | $19 | — | $19 | 0.08% |
| TERESA WILSON3 | 217 LOGAN LANE NICHOLASVILLE, KY 40656 | AFLAC | $16 | — | $16 | 0.06% |
| BONNIE TAFT3 | 573 CANE RUN STREET HARRODBURG, KY 40330 | AFLAC | $12 | — | $12 | 0.05% |
| HOPE DAMRON3 | P.O. BOX 1016 SALYERSVILLE, KY 41465 | AFLAC | $12 | — | $12 | 0.05% |
| BEVERLY H DRAPER3 | 9086 EAST LA PALMA DRIVE TUSCON, AZ 85747 | AFLAC | $10 | — | $10 | 0.04% |
| DAVID EMERSON3 | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AFLAC | $9 | — | $9 | 0.04% |
| ARLIS L MCMAHON3 Filed as: ARLIS MCMAHON | 3136 GLENWOOD DRIVE LEXINGTON, KY 40509 | AFLAC | $4 | — | $4 | 0.02% |
| REGINA CALDWELL3 | 2046 SINKING CREEK ROAD LONDON, KY 40741 | AFLAC | $2 | — | $2 | 0.01% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $459 | $3K | 11.94% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 21.21% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.25% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $533 | $108 | $641 | 12.02% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 3.53% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 2.56% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 1.71% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 1.34% |
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 | 211 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 341 | $112K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 306 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 211 | $54K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 42 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 211 | $24K |
| Other(4 contracts, 4 carriers) | AFLAC | 211 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.