| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNIE JO HOFFMAN3 | PO BOX 963 OWENSBORO, KY 42302 | AFLAC | $4K | $27 | $4K | 4.94% |
| DENNIS W HOFFMAN3 Filed as: DENNIS W. HOFFMAN | PO BOX 963 OWENSBORO, KY 42302 | AFLAC | $3K | $104 | $3K | 3.97% |
| MJ INSURANCE3 Filed as: R. AARON WRIGHT AND VARIOUS AGENTS | 9200 SHELBYVILLE ROAD, SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $2K | $0 | $2K | 2.52% |
| JENNIFER KELLER3 Filed as: JENNIFER L. KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $1K | $26 | $1K | 1.90% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | AFLAC | $612 | $20 | $632 | 0.82% |
| JOSEPH GARETT KELLER3 | 422 FREDRICA STREET OWENSBORO, KY 42301 | AFLAC | $533 | $6 | $539 | 0.70% |
| JOSEPH L EAMES Filed as: JOSEPH L. EAMES | 2624 SOUTH GRIFFITH AVENUE OWENSBORO, KY 42301 | AFLAC | $307 | $0 | $307 | 0.40% |
| GORDON GROUP INVEST LTD PARTNERSHIP3 | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 19.97% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES, INC. | 146 | $0 |
| Vision | AFLAC | 151 | $77K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 151 | $117K |
| Short-term disability | AFLAC | 151 | $77K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $40K |
| Other(2 contracts, 2 carriers) | AFLAC | 151 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.