| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 3.67% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 2.61% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $454 | $454 | 2.29% |
| CHARLENE MONTGOMERY LLC3 Filed as: CHARLENE MONTGOMERY, LLC | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $730 | $24 | $754 | 4.50% |
| LIB WILSON & ASSOCIATES, INC.3 | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $473 | — | $473 | 2.82% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DRIVE FLEMING ISLAND, FL 32003 | AFLAC | $275 | — | $275 | 1.64% |
| COY BRYAN KERSEY3 Filed as: COY KERSEY | 6037 LAURELWOOD DRIVE MILTON, FL 32570 | AFLAC | $176 | $6 | $182 | 1.09% |
| RUEANN EMERSON3 | 2013 OLD RIDGE WAY SUITE 150 #202 LELAND, NC 28451 | AFLAC | $138 | — | $138 | 0.82% |
| BRIAN S MARTIN3 Filed as: BRIAN MARTIN | 3280 BLAZER PARKWAY SUITE 201 LEXNGTON, KY 40509 | AFLAC | $133 | — | $133 | 0.79% |
| LAUREL KELLER3 | 445 MADISON POINT DRIVE LEXINGTON, KY 40515 | AFLAC | $92 | $6 | $98 | 0.59% |
| SHANNON CARPENTER3 | 135 EDGEWOOD DRIVE MIDDLESBORO, KY 40965 | AFLAC | $65 | — | $65 | 0.39% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $62 | — | $62 | 0.37% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA LARSON | 844 SANDSTONE RDG COLD SPRING, KY 41076 | AFLAC | $61 | — | $61 | 0.36% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 5905 E. GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $43 | — | $43 | 0.26% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $40 | — | $40 | 0.24% |
| R WRIGHT3 | 9505 TRUSTCOTT COURT PROSPECT, KY 40059 | AFLAC | $36 | — | $36 | 0.21% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 6807 GRAINERY ROAD TIMNATH, CO 80547 | AFLAC | $16 | — | $16 | 0.10% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $16 | — | $16 | 0.10% |
| ETHAN HAYEN3 | 110 MONTGOMERY AVENUE SUITE A GEORGETOWN, KY 40324 | AFLAC | $10 | — | $10 | 0.06% |
| TERESA WILSON3 | 217 LOGAN LANE NICHOLASVILLE, KY 40356 | AFLAC | $9 | — | $9 | 0.05% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA FLY | P.O. BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $8 | — | $8 | 0.05% |
| BONNIE TAFT3 | 573 CANE RUN STREET HARRODSBURG, KY 40330 | AFLAC | $6 | — | $6 | 0.04% |
| DAVID EMERSON3 | 142 NE 1ST STREET OAK ISLAND, NC 28465 | AFLAC | $4 | — | $4 | 0.02% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 10.08% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $122 | $122 | 2.77% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 3.17% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 2.34% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 1.52% |
| LISA GRAVES3 | 1400 GLENN CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 1.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASPIRANT, INC. TPA, CLAIMS ADMINISTRATO | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | 500 NORTH HURSTBOURNE PARKWAY SUITE 100 LOUISVILLE, KY 40222 | $77K |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 313 | $107K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 282 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 241 | $51K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $20K |
| Other(4 contracts, 4 carriers) | AFLAC | 350 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.