| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: KALYN BURNS & VARIOUS AGENTS | 3452 NEW HARTFORD ROAD SUITE 5 OWENSBORO, KY 42303 | AFLAC | $8K | $409 | $8K | 11.92% |
| JOSEPH GARETT KELLER3 Filed as: JOSEPH KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $3K | $193 | $3K | 4.13% |
| CHAD THOMPSON3 Filed as: CHAD HARL | 5550 MULBERRY PLACE OWENSBORO, KY 42301 | AFLAC | $2K | $41 | $2K | 3.49% |
| TIMOTHY PRICE3 | 810 WARREN STREET MARSHALLTOWN, IA 50158 | AFLAC | $2K | $1 | $2K | 2.18% |
| JENNIFER KELLER3 | 319 EAST 2ND STREET OWENSBORO, KY 42303 | AFLAC | $1K | $81 | $1K | 2.08% |
| MATTHEW D CARPENTER3 Filed as: MATTHEW CARPENTER | EIGHT SHACKLFORD PLAZA SUITE 300 LITTLE ROCK, AR 72211 | AFLAC | $1K | $3 | $1K | 1.86% |
| CHRIS KELLER3 | 5442 MEADOW GROVE DRIVE OWENSBORO, KY 42301 | AFLAC | $1K | $4 | $1K | 1.64% |
| ASSUREDPARTNERS3 | 200 COLONIAL CENTER PARKWAY SUITE 140 LAKE MARY, FL 32746 | HEALTH RESOURCES, INC | $1K | $0 | $1K | 5.00% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $531 | $3K | 18.49% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $254 | $1K | 18.17% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $790 | $0 | $790 | 10.00% |
| PLAN CHOICE3 | 2300 MEADOW DRIVE SUITE 203 LOUISVILLE, KY 42018 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $237 | $0 | $237 | 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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 107 | $70K |
| Dental | HEALTH RESOURCES, INC | 117 | $27K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 60 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $23K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.