| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | TLIC | $49K | — | $49K | 21.53% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | 1120 MAIN STREET BENTON, KY 42025 | TLIC | $24K | — | $24K | 10.72% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND, INC | 1120 MAIN STREET BENTON, KY 42025 | DELTA DENTAL OF KY | $21K | — | $21K | 9.24% |
| ASH GROUP LLC3 | P O BOX 706 PROSPECT, KY 40059 | DELTA DENTAL OF KY | $2K | — | $2K | 0.90% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND, INC | P O BOX 8167 PADUCAH, KY 42002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 15.32% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.68% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND, INC | P O BOX 8167 PADUCAH, KY 42002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 14.31% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.69% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND, INC | P O BOX 8167 PADUCAH, KY 42002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.47% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.53% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | 8550 UNITED PLAZA STE 210 BATON ROUGE, LA 70809 | TLIC | $32K | — | $32K | 49.70% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | 1120 MAIN STREET BENTON, KY 42025 | TLIC | $13K | — | $13K | 20.30% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | TLIC | $30K | — | $30K | 49.70% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND, INC | 1120 MAIN STREET BENTON, KY 42025 | TLIC | $12K | — | $12K | 20.30% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND, INC | P O BOX 427 BENTON, KY 42025 | HUMANA | $3K | — | $3K | 7.23% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | TLIC | $10K | — | $10K | 34.25% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | 1120 MAIN STREET BENTON, KY 42025 | TLIC | $4K | — | $4K | 15.75% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND, INC | P O BOX 8167 PADUCAH, KY 42002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.81% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $826 | — | $826 | 4.19% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | P O BOX 8167 PADUCAH, KY 42002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 18.06% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $331 | — | $331 | 1.94% |
| WELLNESS OF AMERICA LLC3 | BOX 122 WOODY CREEK, CO 81656 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $365 | — | $365 | 8.69% |
| ASH GROUP LLC3 | P O BOX 706 PROSPECT, KY 40059 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $283 | — | $283 | 6.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS OF ARIZONA | 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 85004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $244 | — | $244 | 5.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | P O BOX 23410 LOUISVILLE, KY 40232 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53 | — | $53 | 1.26% |
| WELLNESS OF AMERICA LLC3 | BOX 122 WOODY CREEK, CO 81656 | PROVIDENT LIFE AND ACCIDENT INS COMPANY | $45 | — | $45 | 8.86% |
| ASH GROUP LLC3 | P O BOX 706 PROSPECT, KY 40059 | PROVIDENT LIFE AND ACCIDENT INS COMPANY | $34 | — | $34 | 6.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS OF ARIZONA | 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 85004 | PROVIDENT LIFE AND ACCIDENT INS COMPANY | $23 | — | $23 | 4.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY | P O BOX 23410 LOUISVILLE, KY 40232 | PROVIDENT LIFE AND ACCIDENT INS COMPANY | $7 | — | $7 | 1.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $328K |
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 | 1,108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KY | 1,047 | $225K |
| Vision | HUMANA | 460 | $47K |
| Life insurance(4 contracts, 3 carriers) | TLIC | 530 | $351K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $71K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 458 | $426K |
| Other(7 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 530 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,047 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.