| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INSURANCE MARKET3 | UNKNOWN GLASGOW, KY 42141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $0 | $23K | 2.57% |
| PEDIGO LESSENBERRY INSURANCE3 | UNKNOWN GLASGOW, KY 42141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 1.64% |
| BENEFIT ADVISORS SERVICES3 | UNKNOWN GLASGOW, KY 42141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 1.08% |
| BENEFITS INSURANCE MARKETING3 Filed as: BENEFITS INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $24 | $20K | 6.71% |
| BENEFITS INSURANCE MARKET3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $7K | $0 | $7K | 5.10% |
| PEDIGOLESSENBERRY INSURANCE AGENCY3 | PO BOX 1899 GLASGOW, KY 42142 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | $0 | $3K | 2.06% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $1K | $0 | $1K | 0.84% |
| MJ INSURANCE3 Filed as: R AARON WRIGHT AND VARIOUS AGENTS | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $3K | $0 | $3K | 3.20% |
| MURPHY M DEMUNBRUN JR3 | 93 ARNOLD DRIVE GLASGOW, KY 42141 | AFLAC | $2K | $0 | $2K | 2.48% |
| WANDA JEAN ANDERSON3 | 1751 WHITE OAK RIDGE ROAD FOUNTAIN RUN, KY 42133 | AFLAC | $1K | $0 | $1K | 1.42% |
| BENEFITS INSURANCE MARKETING3 Filed as: BENEFITS INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AFLAC | $1K | $0 | $1K | 1.20% |
| DARRYL J YOUNG3 | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | AFLAC | $1K | $0 | $1K | 1.09% |
| DEBORAH BIGGERS3 Filed as: DEBORAH K BIGGERS | 126 LONGHUNTERS TRAIL GLASGOW, KY 42141 | AFLAC | $812 | $0 | $812 | 0.88% |
| PEDIGO LESSENBERRY INSURANCE3 | PO BOX 1899 GLASGOW, KY 42142 | AFLAC | $715 | $0 | $715 | 0.77% |
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 | 925 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 50 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,007 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,949 | $147K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,177 | $1.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,177 | $888K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,177 | $888K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,177 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,949 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.