| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS W HOFFMAN3 Filed as: DENNIS W. HOFFMAN | PO BOX 963 OWENSBORO, KY 42302 | AFLAC | $5K | $46 | $5K | 4.87% |
| CONNIE JO HOFFMAN3 | PO BOX 963 OWENSBORO, KY 42302 | AFLAC | $3K | $123 | $3K | 2.72% |
| THE HORTON GROUP3 Filed as: PHILLIP G. HORTON AND OTHER AGENTS | 1226 BOOTH AVENUE OWENSBORO, KY 42301 | AFLAC | $2K | — | $2K | 2.43% |
| JENNIFER KELLER3 Filed as: JENNIFER L. KELLER | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $2K | $32 | $2K | 1.86% |
| JOSEPH GARETT KELLER3 | 422 FREDERICA STREET OWENSBORO, KY 42301 | AFLAC | $869 | $32 | $901 | 0.92% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | AFLAC | $735 | $0 | $735 | 0.75% |
| JOSEPH L EAMES3 Filed as: JOSEPH L. EAMES | 2624 SOUTH GRIFFITH AVENUE OWENSBORO, KY 42301 | AFLAC | $395 | $0 | $395 | 0.40% |
| VANCIL INSURANCE SERVICES LLC3 | 427 SAINT ANN STREET, SUITE 200 OWENSBORO, KY 42302 | HEALTH RESOURCES, INC. | $5K | $0 | $5K | 10.00% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES, INC. | 162 | $48K |
| Vision | AFLAC | 133 | $98K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 133 | $98K |
| Short-term disability | AFLAC | 133 | $98K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $0 |
| Other(2 contracts, 2 carriers) | AFLAC | 133 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.