| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: FRANK LAIRD AND VARIOUS AGENTS | 222 KENTUCKY AVENUE, SUITE 3 PADUCAH, KY 42003 | AFLAC | $4K | $295 | $4K | 7.96% |
| JOSEPH GARETT KELLER3 Filed as: JOSEPH KELLER | 319 EAST 2ND STREET OWENSBORO, KY 42303 | AFLAC | $2K | $41 | $2K | 3.99% |
| CATHERINE GARLAND3 | 8 SHACKLEFORD PLAZA, SUITE 300 LITTLE ROCK, AR 72211 | AFLAC | $2K | $84 | $2K | 3.25% |
| KALYN BURNS3 | 351 MCFARLAND ROAD UTICA, KY 42376 | AFLAC | $1K | $64 | $1K | 2.09% |
| JENNIFER KELLER3 | 319 EAST 2ND STREET OWENSBORO, KY 42303 | AFLAC | $957 | $34 | $991 | 1.87% |
| MICHAEL WILLIAMS3 | 140 NORTH MAIN STREET HENDERSON, KY 42420 | AFLAC | $734 | — | $734 | 1.38% |
| JESSICA MURPHY3 | 273 RESOLUTION WAY OWENSBORO, KY 42301 | AFLAC | $516 | — | $516 | 0.97% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY, INC. | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HEALTH RESOURCES, INC. | $1K | — | $1K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY, INC. | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $873 | $4K | 18.89% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NL INSURANCE, INC. | 2305 RIVER ROAD LOUISVILLE, KY 40206 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $722 | — | $722 | 9.99% |
| PLAN CHOICE3 | 2300 MEADOW DRIVE, SUITE 203 LOUISVILLE, KY 42018 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $217 | — | $217 | 3.00% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 96 | $53K |
| Dental | HEALTH RESOURCES, INC. | 108 | $24K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 56 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $22K |
| Short-term disability | AFLAC | 96 | $53K |
| Other(2 contracts, 2 carriers) | AFLAC | 122 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.