| 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 | 3.48% |
| 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 | 12.01% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $474 | $3K | 12.07% |
| LIB WILSON & ASSOCIATES, INC.3 | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $787 | $30 | $817 | 3.61% |
| CHARLENE MONTGOMERY LLC3 | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $483 | $25 | $508 | 2.24% |
| BROCK POWELL3 | 3944 MURPHY CANYON ROAD SUITE C203 SAN DIEGO, CA 92123 | AFLAC | $355 | — | $355 | 1.57% |
| BRIAN S MARTIN3 Filed as: BRIAN MARTIN | 3280 BLAZER PARKWAY SUITE 201 LEXINGTON, KY 40509 | AFLAC | $236 | $28 | $264 | 1.17% |
| LAURA MONTGOMERY3 | 1633 LITTLE HICKMAN ROAD NICHOLASVILLE, KY 40356 | AFLAC | $104 | $85 | $189 | 0.84% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $185 | — | $185 | 0.82% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 1856 TRAVELLER ROAD LEXINGTON, KY 40504 | AFLAC | $110 | $34 | $144 | 0.64% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $105 | — | $105 | 0.46% |
| SHANNON CARPENTER3 | 135 EDGEWOOD ROAD MIDDLESBORO, KY 40965 | AFLAC | $100 | — | $100 | 0.44% |
| ETHAN HAYEN3 | 121 SAINT MARGARET DRIVE APARTMENT 8 LEXINGTON, KY 40502 | AFLAC | $56 | $32 | $88 | 0.39% |
| R WRIGHT3 | 9200 SHELBYVILLE ROAD SUIRE 605 LOUISVILLE, KY 40222 | AFLAC | $49 | — | $49 | 0.22% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 1500 BEVILLE ROAD SUITE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $20 | — | $20 | 0.09% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $20 | — | $20 | 0.09% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA FLY | P.O. BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $14 | — | $14 | 0.06% |
| TERESA WILSON3 | 217 LOGAN LANE NICHOLASVILLE, KY 40356 | AFLAC | $12 | — | $12 | 0.05% |
| BONNIE TAFT3 | 573 CANE RUN STREET HARRODSBURG, KY 40330 | AFLAC | $9 | — | $9 | 0.04% |
| DAVID EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $7 | — | $7 | 0.03% |
| DALE DRAGOMIR3 Filed as: DALE DROGOMIR | 202 HUTCHINS DRIVE WILMORE, KY 40390 | AFLAC | $5 | — | $5 | 0.02% |
| CLEO MARTIN3 | 5132 STOCKYARD LOOP MYRTLE BEACH, SC 29588 | AFLAC | $2 | — | $2 | 0.01% |
| BEVERLY H DRAPER3 | 9086 EAST LA PALMA DRIVE TUCSON, AZ 85747 | AFLAC | $1 | — | $1 | 0.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 18.57% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $511 | $106 | $617 | 12.06% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 3.20% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 2.33% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 1.45% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 1.31% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | — |
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 | 201 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 345 | $112K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 297 | $0 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $53K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 34 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $23K |
| Other(4 contracts, 4 carriers) | AFLAC | 201 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.