| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARY CARMELA BERARDI3 | 1795 ALYSHEBA WAY, SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $8K | $909 | $9K | 6.89% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | AFLAC | $8K | $0 | $8K | 6.56% |
| TYLER DECKER3 Filed as: TYLER DECKER AND MISC AGENTS | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $6K | $713 | $7K | 5.48% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PLACE, SUITE 26 LEXINGTON, KY 40509 | AFLAC | $2K | $348 | $3K | 2.16% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | AFLAC | $3K | $0 | $3K | 2.11% |
| LINSEY HOSKINS3 | 801 EAST BRANNON ROAD, UNIT 128 NICHOLASVILLE, KY 40356 | AFLAC | $1K | $213 | $2K | 1.27% |
| CAREN OSTROWSKI3 | 2551 CRUSADERS WAY LEXINGTON, KY 40509 | AFLAC | $1K | $371 | $2K | 1.23% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 6.35% |
| MJ INSURANCE3 Filed as: LAWRENCE FUGATE AND VARIOUS AGENTS | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.79% |
| MARY CARMELA BERARDI3 Filed as: MARY C. BERARDI | 3617 BEATEN PATH LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.42% |
| LINSEY HOSKINS3 | 912 HAMMOCK OAK LAKE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $546 | $0 | $546 | 0.95% |
| TYLER A DECKER3 Filed as: TYLER A. DECKER | 4325 COBBLEST ONE KNOLL DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $476 | $0 | $476 | 0.83% |
| LAURA BETH KELLER3 Filed as: LAURA B. KELLER | 2220 EXECUTIVE DRIVE, SUITE 204 LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $464 | $0 | $464 | 0.81% |
| CAREN OSTROWSKI3 | 100 CLAY AVENUE GEORGETOWN, KY 40324 | CONTINENTAL AMERICAN INSURANCE COMPANY | $439 | $0 | $439 | 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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AFLAC | 187 | $125K |
| Short-term disability | AFLAC | 187 | $125K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 292 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.