| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID HUGHES3 Filed as: DAVID BRENT HUGHES | 226 DECKARD SCHOOL RD RINEYVILLE, KY 40162 | AFLAC | $5K | $377 | $5K | 5.53% |
| KATIE S BARNES3 | 315 NICHOLAS RIDGE DR ELIZABETHTOWN, KY 42701 | AFLAC | $5K | $0 | $5K | 5.09% |
| AMANDA LOGAN3 | 226 RILEY WAY ELIZABETHTOWN, KY 42701 | AFLAC | $3K | $0 | $3K | 3.11% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $2K | $96 | $2K | 1.83% |
| CLAIRE LUURTSEMA3 | 308 ROSEDALE DR ELIZABETHTOWN, KY 42701 | AFLAC | $1K | $78 | $1K | 1.52% |
| SETH O AKERS3 | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | AFLAC | $1K | $60 | $1K | 1.20% |
| PHILIP D BLAKEMAN3 | 217 REMBRANDT DR ELIZABETHTOWN, KY 42701 | AFLAC | $1K | $0 | $1K | 1.18% |
| CRYSTAL ROSA VERTREES3 | 92 HAMPTON LANE ELIZABETHTOWN, KY 42701 | AFLAC | $942 | $0 | $942 | 1.05% |
| AKERS ENTERPRISES LLC3 | 362 WILLOWBROOK DR FISHERVILLE, KY 40023 | AFLAC | $633 | $31 | $664 | 0.74% |
| DAVID LUURTSEMA3 | 308 ROSEDALE DR ELIZABETHTOWN, KY 42701 | AFLAC | $275 | $28 | $303 | 0.34% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $289 | $0 | $289 | 0.32% |
| KATHERINE WHITAKER3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $160 | $0 | $160 | 0.18% |
| STEPHEN W REED3 | 14 BRAXTON ST NW HUNTSVILLE, AL 35806 | AFLAC | $146 | $0 | $146 | 0.16% |
| DAVID HUGHES3 Filed as: DAVID BRENT HUGHES | 2806 SATSUMA DR SARASOTA, FL 34239 | AFLAC | $115 | $0 | $115 | 0.13% |
| BROCK POWELL3 | 125 PLANTATION CENTRE DR S STE 900 MACON, GA 31210 | AFLAC | $101 | $0 | $101 | 0.11% |
| JEFFREY A WILSON SR3 | PO BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $69 | $0 | $69 | 0.08% |
| POWELL ENTERPRISES LLC3 | 107 SOUTHERN BLVD STE 103A SAVANNAH, GA 31405 | AFLAC | $65 | $0 | $65 | 0.07% |
| POWELL ENTERPRISES LLC3 | 125 PLANTATION CENTRE DR S STE 900 MACON, GA 31210 | AFLAC | $62 | $0 | $62 | 0.07% |
| WILLIAM M KNOTT3 | 24040 GREEN GARDENS CT EUSTIS, FL 32736 | AFLAC | $58 | $0 | $58 | 0.06% |
| KIMBERLY HORNBACK3 Filed as: KIMBERLY MELTON | 494 JOE BROWN RD HODGENVILLE, KY 42748 | AFLAC | $53 | $0 | $53 | 0.06% |
| KIMBERLY HORNBACK3 | 494 JOE BROWN RD HODGENVILLE, KY 42748 | AFLAC | $53 | $0 | $53 | 0.06% |
| BROCK POWELL3 | 400 DABNEY DR APT 1 LEXINGTRON, KY 40509 | AFLAC | $49 | $0 | $49 | 0.05% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $49 | $0 | $49 | 0.05% |
| BROCK POWELL3 | 107 SOUTHERN BLVD STE 103A SAVANNAH, GA 31405 | AFLAC | $43 | $0 | $43 | 0.05% |
| KEVIN WEIHE3 | 125 CRIMSON CREEK DR MOUNT WASHINGTON, KY 40047 | AFLAC | $37 | $0 | $37 | 0.04% |
| REX L BROOKS3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $36 | $0 | $36 | 0.04% |
| CHUCK ANDREW WILSON3 | 6710 CROSSWAYS PL LOUISVILLE, KY 40241 | AFLAC | $30 | $0 | $30 | 0.03% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $23 | $0 | $23 | 0.03% |
| BRADLEY L ELLIS3 | 1500 BEVILLE RD STE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $20 | $0 | $20 | 0.02% |
| DENNIS HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $20 | $0 | $20 | 0.02% |
| ELLEN R SCHROEDER3 | 441 DUNEDIN AY GLASGOW, KY 42141 | AFLAC | $19 | $0 | $19 | 0.02% |
| POWELL ENTERPRISES LLC3 | 400 DABNEY DR APT 1 LEXINGTON, KY 40509 | AFLAC | $19 | $0 | $19 | 0.02% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DR STE 4 NEW LENOX, IL 60451 | AFLAC | $13 | $0 | $13 | 0.01% |
| THERESA J SMITH3 | 3521 HURSTBOURNE RIDGE BLVD LOUISVILLE, KY 40299 | AFLAC | $13 | $0 | $13 | 0.01% |
| STEPHANIE RINGER3 | 411 WALNUT ST UNIT 5859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $12 | $0 | $12 | 0.01% |
| KYMBERLY G KNOTT3 | 24040 GREEN GARDENS CT EUSTIS, FL 32736 | AFLAC | $8 | $0 | $8 | 0.01% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $5 | $0 | $5 | 0.01% |
| STEVEN J PERRY3 | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $5 | $0 | $5 | 0.01% |
| J W GRIMES INC3 Filed as: J W GRIMES INC. | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $4 | $0 | $4 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE CO | $8K | $0 | $8K | 11.10% |
| EPIC3 Filed as: EPIC SOLUTIONS | PO BOX 221649 LOUISVILLE, KY 40252 | STANDARD INSURANCE CO | $2K | $0 | $2K | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD STE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE CO | $2K | — | $2K | 2.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 5050 N GRAND AVE STE 600 GLENDALE, CA 91203 | STANDARD INSURANCE CO | $2K | — | $2K | 2.20% |
| GREEN & HALLIBURTON INC3 Filed as: GREEN & HALLIBURTON, INC. | 521 BARRET AVE LOUISVILLE, KY 40204 | STANDARD INSURANCE CO | $972 | — | $972 | 1.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE CO | $3K | $0 | $3K | 11.10% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | PO BOX 221649 LOUISVILLE, KY 40252 | STANDARD INSURANCE CO | $727 | $0 | $727 | 2.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 505 N BRAND BLVD STE 600 GLENDALE, CA 91203 | STANDARD INSURANCE CO | $622 | $0 | $622 | 2.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD STE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE CO | $622 | $0 | $622 | 2.16% |
| GREEN & HALLIBURTON INC3 Filed as: GREEN & HALLIBURTON, INC. | 521 BARRET AVE LOUISVILLE, KY 40204 | STANDARD INSURANCE CO | $399 | $0 | $399 | 1.38% |
| GREEN & HALLIBURTON INC3 Filed as: GREEN & HALLIBURTON, INC. | 521 BARRET AVE LOUISVILLE, KY 40204 | CITIZENS SECURITY LIFE INSURANCE COMPANY | $315 | $0 | $315 | 10.01% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN | 141 | $0 |
| Dental | DELTA DENTAL OF KENTUCKY | 243 | $52K |
| Vision | CITIZENS SECURITY LIFE INSURANCE COMPANY | 29 | $3K |
| Life insurance | STANDARD INSURANCE CO | 245 | $72K |
| Long-term disability | STANDARD INSURANCE CO | 216 | $29K |
| Other | AFLAC | 66 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.