| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: AGM BENS AN ALERA GRP AGENCY LLC | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | TRANSAMERICA LIFE INSURANCE COMPANY | $162K | $0 | $162K | 40.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | DBA HUB INTERNATIONAL MID-SOUTH 1120 MAIN STREET BENTON, KY 42025 | TRANSAMERICA LIFE INSURANCE COMPANY | $69K | $0 | $69K | 17.34% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | 1120 MAIN STREET BENTON, KY 42025 | DELTA DENTAL OF KENTUCKY | $23K | $0 | $23K | 8.71% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | PO BOX 427 BENTON, KY 42025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $49K | $0 | $49K | 20.00% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | PO BOX 427 BENTON, KY 42025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $0 | $42K | 20.00% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | PO BOX 427 BENTON, KY 42025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $0 | $30K | 20.00% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | 1120 MAIN STREET BENTON, KY 42025 | DELTA DENTAL OF KENTUCKY | $5K | $0 | $5K | 8.25% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | PO BOX 427 BENTON, KY 42025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | PO BOX 427 BENTON, KY 42025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 20.00% |
| ASH GROUP LLC3 Filed as: ASH GROUP, LLC | P.O. BOX 706 PROSPECT, KY 40059 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40 | $0 | $40 | 3.03% |
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 | 627 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,032 | $258K |
| Vision | DELTA DENTAL OF KENTUCKY | 1,039 | $56K |
| Life insurance(4 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 544 | $1.0M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 237 | $247K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $152K |
| Other(5 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 544 | $690K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,039 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.