| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLJM LLC3 | 8235 FORSYTH BLVD STE 100 CLAYTON, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $0 | $22K | 3.00% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 ST LOUIS, MO 63105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $9K | 14.54% |
| CHARLENE MONTGOMERY LLC3 | 214 EDGEWOOD DR NICHOLASVILLE, KY 40356 | AFLAC | $3K | $185 | $3K | 9.84% |
| LIB WILSON & ASSOCIATES, INC.3 | 214 EDGEWOOD DR NICHOLASVILLE, KY 40356 | AFLAC | $2K | $111 | $2K | 6.26% |
| POWELL ENTERPRISES LLC3 | 125 PLANTATION CENTRE DR S MACON, GA 31210 | AFLAC | $973 | $59 | $1K | 3.55% |
| MIRNA CERRADA | 3797 BELLEAU WOOD DR LEXINGTON, KY 40517 | AFLAC | $989 | — | $989 | 3.41% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 350 ESHORT ST NUMBER 416 LEXINGTON, KY 40507 | AFLAC | $444 | — | $444 | 1.53% |
| RUEANN M EMERSON3 | 4820 LAKE BROOK DR STE 100 GLEN ALLEN, VA 23060 | AFLAC | $183 | $59 | $242 | 0.83% |
| HEATHER MAMMEN | 468 BOB O LINK DR LEXINGTON, KY 40503 | AFLAC | $218 | — | $218 | 0.75% |
| LAURA BETH KELLER Filed as: LAURA KELLER | 2220 EXECUTIVE DR STE 204 LEXINGTON, KY 40505 | AFLAC | $153 | $5 | $158 | 0.54% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $89 | $64 | $153 | 0.53% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $37 | — | $37 | 0.13% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $26 | — | $26 | 0.09% |
| SHANNON CARPENTER3 | 207 CITATION CT WINCHESTER, KY 40391 | AFLAC | $23 | — | $23 | 0.08% |
| THE HINTON AGENCY LLC3 | 121 E ELECTRIC AVE FLEMINGSBURG, KY 41041 | AFLAC | $21 | — | $21 | 0.07% |
| CHUCK ANDREW WILSON Filed as: CHUCK WILSON | 6710 CROSSWAYS PL LOUISVILLE, KY 40241 | AFLAC | $19 | — | $19 | 0.07% |
| MARY CARMELA BERARDI3 Filed as: MARY BERARDI | 1795 ALYSHEBA WAY STE 1204 LEXINGTON, KY 40509 | AFLAC | $13 | $5 | $18 | 0.06% |
| MORGAN REED SALYER Filed as: MORGAN SALYER | PO BOX 23796 LEXINGTON, KY 40523 | AFLAC | $16 | — | $16 | 0.06% |
| BROCK POWELL3 | 125 PLANTATION CENTRE DR S STE 900 MACON, GA 31210 | AFLAC | $15 | — | $15 | 0.05% |
| SALLY A MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $14 | — | $14 | 0.05% |
| CHARLES HUGH MACKAY3 Filed as: CHARLES MACKAY | 3203 ODYSSEY LAKE CIR S BRUNSWICK, GA 31525 | AFLAC | $12 | — | $12 | 0.04% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $12 | — | $12 | 0.04% |
| KRISTYN E BLACKFORD3 Filed as: KRISTYN BLACKFORD | 2220 EXECUTIVE DR STE 204 LEXINGTON, KY 40505 | AFLAC | $12 | — | $12 | 0.04% |
| LESLIE D. FAULKNER3 Filed as: LESLIE D FAULKNER | 50 HURT PLZ SE STE 995 ATLANTA, GA 30303 | AFLAC | $8 | — | $8 | 0.03% |
| MICHAEL FATHERREE3 | 171 COUNTY RD 1559 ALBA, TX 75410 | AFLAC | $8 | — | $8 | 0.03% |
| STEPHANIE RINGER3 | 411 WALNUT ST 5859 GREEN COVE SPRINGS, FL 32043 | AFLAC | $7 | — | $7 | 0.02% |
| CHARLENE MONTGOMERY LLC3 | 214 EDGEWOOD DR NICHOLASVILLE, KY 40356 | AFLAC | $2K | $134 | $2K | 12.73% |
| POWELL ENTERPRISES LLC3 | 125 PLANTATION CENTRE DR S STE 900 MACON, GA 31210 | AFLAC | $514 | $40 | $554 | 2.97% |
| LIB WILSON & ASSOCIATES, INC.3 | 214 EDGEWOOD DR NICHOLASVILLE, KY 40356 | AFLAC | $337 | $65 | $402 | 2.16% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 350 E SHORT ST NUMBER 416 LEXINGTON, KY 40507 | AFLAC | $205 | $4 | $209 | 1.12% |
| MIRNA CERRADA3 | 3797 BELLEAU WOOD DR LEXINGTON, KY 40517 | AFLAC | $180 | $0 | $180 | 0.97% |
| RUEANN M EMERSON3 | 4820 LAKE BROOK DR STE 125 GLENN ALLEN, VA 23060 | AFLAC | $125 | $35 | $160 | 0.86% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $53 | $35 | $88 | 0.47% |
| THE HINTON AGENCY LLC3 | 121 E ELECTRIC AVE FLEMINGSBURG, KY 41041 | AFLAC | $36 | $0 | $36 | 0.19% |
| HEATHER MAMMEN3 | 468 BOB O LINK DR LEXINGTON, KY 40503 | AFLAC | $36 | $0 | $36 | 0.19% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $32 | $0 | $32 | 0.17% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $32 | $0 | $32 | 0.17% |
| LAURA BETH KELLER3 | 2220 EXECUTIVE DR STE 204 LEXINGTON, KY 40505 | AFLAC | $25 | $0 | $25 | 0.13% |
| LAWRENCE TODD FUGATE3 | 2352 HEARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $25 | — | $25 | 0.13% |
| SALLY A MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $23 | $0 | $23 | 0.12% |
| BROCK POWELL3 | 125 PLANTATION CENTRE DR S STE 900 MACON, GA 31210 | AFLAC | $15 | $0 | $15 | 0.08% |
| MICHAEL FATHERREE3 | 171 COUNTY RD 1559 ALBA, TX 75410 | AFLAC | $11 | $0 | $11 | 0.06% |
| SHANNON CARPENTER3 | 207 CITATION CT WINCHESTER, KY 40391 | AFLAC | $6 | $0 | $6 | 0.03% |
| KATHLEEN SMITH3 | 1180 HIGH POINT DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $4 | — | $4 | 0.02% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD RD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $749K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $64K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $64K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $64K |
| Short-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $112K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $749K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.