| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INSURANCE MARKETING3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $4K | $0 | $4K | 3.25% |
| BENEFITS INSURANCE MARKETING3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $9K | 12.60% |
| BENEFITS INSURANCE MARKETING3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 20.00% |
| BENEFITS INSURANCE MARKETING3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | EYEMED VISION CARE ON BEHALF OF IDELITY SECURITY LIFE INSURANCE CO.. | $2K | $0 | $2K | 10.84% |
| LIB WILSON & ASSOCIATES, INC.3 Filed as: LIB WILSON AND ASSOCIATES, INC. | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $471 | $0 | $471 | 2.76% |
| PAMELA R. LARSON AND OTHER AGENTS3 | 844 SANDSTONE RIDGE COLD SPRINGS, KY 40965 | AFLAC | $464 | $0 | $464 | 2.72% |
| CHARLENE MONTGOMERY LLC3 Filed as: CHARLENE MONTGOMERY, LLC | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $436 | $0 | $436 | 2.56% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $369 | $0 | $369 | 2.16% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DRIVE FLEMING ISLAND, FL 32003 | AFLAC | $266 | $0 | $266 | 1.56% |
| BRIAN S MARTIN3 Filed as: BRIAN S. MARTIN | 3280 BLAZER PARKWAY, SUITE 201 LEXNGTON, KY 40509 | AFLAC | $147 | $0 | $147 | 0.86% |
| THE DIAMOND AGENCY LLC3 Filed as: THE DIAMOND AGENCY, LLC | 2013 OLD RIDGE WAY, SUITE 150 LELAND, NC 28451 | AFLAC | $124 | $0 | $124 | 0.73% |
| BENEFITS INSURANCE MARKETING3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 3.43% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 2.54% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 1.64% |
| LISA GRAVES3 | 1400 GLENN 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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 371 | $122K |
| Vision | EYEMED VISION CARE ON BEHALF OF IDELITY SECURITY LIFE INSURANCE CO.. | 310 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $70K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $70K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.