| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INSURANCE MARKET3 Filed as: BENEFITS INSURANCE MARKET INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $4K | $0 | $4K | 3.16% |
| BENEFITS INSURANCE MARKET3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 9.18% |
| LIB WILSON & ASSOCIATES, INC.3 Filed as: LIB SILSON AND ASSOCIATES, INC. | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $561 | $0 | $561 | 2.77% |
| SHANNON CARPENTER3 Filed as: SHANNON CARPENTER AND OTHER AGENTS | 135 EDGEWOOD ROAD MIDDLESBORO, KY 40965 | AFLAC | $461 | $0 | $461 | 2.28% |
| CHALRLEN MONTGOMERY LLC3 | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $451 | $0 | $451 | 2.23% |
| BROCK POWELL3 | 3944 CURPHY CANYON ROAD SUITE C203 SAN DIEGO, CA 92123 | AFLAC | $325 | $0 | $325 | 1.61% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $204 | $0 | $204 | 1.01% |
| BRIAN S MARTIN3 Filed as: BRIAN S. MARTIN | 3280 BLAZER PARKWAY, SUITE 201 LEXINGTON, KY 40509 | AFLAC | $178 | $0 | $178 | 0.88% |
| THE DIAMON AGENCY LLC3 | 1017 ASHES DRIVE, SUITE 106 WILMINGTON, NC 28405 | AFLAC | $151 | $0 | $151 | 0.75% |
| BENEFITS INSURANCE MARKET3 Filed as: BENEFITS INSURANCE MARKET INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 19.83% |
| BENEFITS INSURANCE MARKET3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | EYEMED VISION CARE ON BEHALF OF IDELITY SECURITY LIFE INSURANCE CO.. | $2K | $0 | $2K | 9.95% |
| BENEFITS INSURANCE MARKET3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 3.73% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 2.69% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 1.64% |
| LISA GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 363 | $118K |
| Vision | EYEMED VISION CARE ON BEHALF OF IDELITY SECURITY LIFE INSURANCE CO.. | 297 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $97K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $97K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.