| 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 | 3.43% |
| 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 | $7K | 11.96% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $455 | $3K | 11.96% |
| LIB WILSON & ASSOCIATES, INC.3 | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $578 | — | $578 | 2.84% |
| CHARLENE MONTGOMERY LLC3 | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $414 | — | $414 | 2.04% |
| BROCK POWELL3 | 3944 MURPHY CANYON ROAD SUITE C203 SAN DIEGO, CA 92123 | AFLAC | $312 | — | $312 | 1.53% |
| BRIAN S MARTIN3 Filed as: BRIAN MARTIN | 3280 BLAZER PARKWAY SUITE 201 LEXINGTON, KY 40509 | AFLAC | $181 | — | $181 | 0.89% |
| THE DIAMOND AGENCY LLC3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $105 | — | $105 | 0.52% |
| LESLIE K KIMBROUGH3 | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $96 | — | $96 | 0.47% |
| SHANNON CARPENTER3 | 135 EDGEWOOD ROAD MIDDLESBORO, KY 40965 | AFLAC | $96 | — | $96 | 0.47% |
| RUEANNE M EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $53 | — | $53 | 0.26% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $47 | — | $47 | 0.23% |
| DALE I DAVIS3 | 1856 TRAVELLER ROAD LEXINGTON, KY 40504 | AFLAC | $38 | — | $38 | 0.19% |
| BROCK POWELL3 | 107 SOUTHERN BOULEVARD SUITE 103A SAVANNAH, GA 31405 | AFLAC | $29 | — | $29 | 0.14% |
| DALE I DAVIS3 | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $26 | — | $26 | 0.13% |
| BRADLEY L ELLIS3 | 1500 BEVILLE ROAD SUITE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $20 | — | $20 | 0.10% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $20 | — | $20 | 0.10% |
| RUEANNE M EMERSON3 Filed as: RUEANNE EMERSON | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $17 | — | $17 | 0.08% |
| ETHAN A HAYEN3 | 121 SAINT MARGARET DRIVE APARTMENT 8 LEXINGTON, KY 40502 | AFLAC | $14 | — | $14 | 0.07% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $14 | — | $14 | 0.07% |
| KRISTIANNA J FLY3 | P.O. BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $13 | — | $13 | 0.06% |
| TERESA WILSON3 | 217 LOGAN LANE NICHOLASVILLE, KY 40356 | AFLAC | $9 | — | $9 | 0.04% |
| DAVID A EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $7 | — | $7 | 0.03% |
| BONNIE L TAFT3 | 573 CANE RUN STREET HARRODSBURG, KY 40330 | AFLAC | $6 | — | $6 | 0.03% |
| PAMELA ROWSEY LARSON3 | 187 PAVILION PARKWAY SUITE 231 NEWPORT, KY 41071 | AFLAC | $3 | — | $3 | 0.01% |
| COY BRYAN KERSEY3 | 3322 TISDALE DRIVE LEXINGTON, KY 40503 | AFLAC | $1 | — | $1 | 0.00% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PLACE SUITE 26 LEXINGTON, KY 40509 | 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 | 21.92% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $518 | $102 | $620 | 11.97% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 3.43% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 2.54% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 1.64% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 1.49% |
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 | 194 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 342 | $113K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 287 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $55K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 32 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $23K |
| Other(4 contracts, 4 carriers) | AFLAC | 194 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.