| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONALMIDWEST LTD | PO BOX 392 TRAVERSE CITY, MI 49685 | DELTA DENTAL OF KENTUCKY | $5K | $0 | $5K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | ONE AMERICA | $5K | $0 | $5K | 13.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 427 BENYON, KY 42025 | AFLAC | $2K | $0 | $2K | 7.05% |
| DAVID HOWARD CASTLEMAN3 | 4635 MAYFIELD METROPOLIS RD PADUCAH, KY 42001 | AFLAC | $1K | $8 | $1K | 4.92% |
| JENNIFER KELLER3 Filed as: JENNIFER L KELLER | 422 FREDERICA ST OWENSBORO, KY 42301 | AFLAC | $720 | $8 | $728 | 2.62% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | AFLAC | $563 | $0 | $563 | 2.03% |
| DOWDY INSURANCE3 Filed as: DOWDY INSURANCE LLC | 7352 WALL TRIANA HWY MADISON, AL 35757 | AFLAC | $503 | $0 | $503 | 1.81% |
| KIM DIANE JONES3 | 533 BELLWOOD RD LEBANON, TN 37087 | AFLAC | $409 | $0 | $409 | 1.47% |
| TERRY D TURNER3 | PO BOX 306 GILBERTSVILLE, KY 42044 | AFLAC | $296 | $0 | $296 | 1.07% |
| KENNETH R APPLE3 | 830 WILLOW TREE CIRCLE CORDOVA, TN 38018 | AFLAC | $215 | $0 | $215 | 0.77% |
| ROBIN PROPES3 | 8915 W AIRPORT RD WEST PADUCAH, KY 42086 | AFLAC | $213 | $0 | $213 | 0.77% |
| ANGELA KAYE DOWDY3 | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $208 | $0 | $208 | 0.75% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | AFLAC | $184 | $0 | $184 | 0.66% |
| KAREN M STONE3 | 567 LAKE SCENE DR EDDYVILLE, KY 42038 | AFLAC | $142 | $0 | $142 | 0.51% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $99 | $0 | $99 | 0.36% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $88 | $0 | $88 | 0.32% |
| FRANK ANTHONY LAIRD3 | 4265 WOODLAND HILL DR KEVIL, KY 42053 | AFLAC | $68 | $0 | $68 | 0.25% |
| DOWDY INSURANCE3 Filed as: DOWDY INSURANCE LLC | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $67 | $0 | $67 | 0.24% |
| ROBERT L GOBLE3 | 250 34TH AVE NE HICKORY, NC 28601 | AFLAC | $61 | $0 | $61 | 0.22% |
| JACK M WILSON3 | 21 MEADOW LINKS DR PADUCAH, KY 42001 | AFLAC | $61 | $0 | $61 | 0.22% |
| HEATHER L ELLIOTT3 Filed as: HEATHER ELLIOTT NESLER | PO BOX 427 BENTON, KY 42025 | AFLAC | $31 | $0 | $31 | 0.11% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $29 | $0 | $29 | 0.10% |
| RHONDA R BUCKNER3 | 500 FOREST RD GADSDEN, AL 35901 | AFLAC | $28 | $0 | $28 | 0.10% |
| DEWAYNE D RAY3 | 1003 HIGHLAND CREEK CIR GUNTERSVILLE, AL 35976 | AFLAC | $21 | $0 | $21 | 0.08% |
| KEITH R MOORE3 | 135 WALNUT CREEK RD CORDOVA, TN 38018 | AFLAC | $15 | $0 | $15 | 0.05% |
| LOUIS CULLEN SMITH3 | 3504 GREENWOOD DR HERMITAGE, TN 37076 | AFLAC | $10 | $0 | $10 | 0.04% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $9 | $0 | $9 | 0.03% |
| CLIFFORD FRANKLIN BROOKS3 | 38 BROOKS LN WHITLEY CITY, KY 42653 | AFLAC | $6 | $0 | $6 | 0.02% |
| GREG GRIFFITH3 Filed as: GREG W GRIFFITH | 393 TENNESSEEE ST APT 1 MEMPHIS, TN 38103 | AFLAC | $6 | $0 | $6 | 0.02% |
| JOSEPH L EAMES3 | 2854 AVENUE OF THE PARK OWENSBORO, KY 42303 | AFLAC | $5 | $0 | $5 | 0.02% |
| JOSEPH GARETT KELLER3 | 422 FREDERICA ST OWENSBORO, KY 42301 | AFLAC | $4 | $0 | $4 | 0.01% |
| TYLER M TRAVIS3 | 707 LESLIE AVE GLASGOW, KY 42141 | AFLAC | $3 | $0 | $3 | 0.01% |
| AMY B CITRON3 | 1024 GRANADA AVE NASHVILLE, TN 37206 | AFLAC | $3 | $0 | $3 | 0.01% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $1 | $0 | $1 | 0.00% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $1 | $0 | $1 | 0.00% |
| ROGER MURRAY JOHNSON3 Filed as: ROGER MURRY JOHNSON | 5936 ENCLAVE DR MURFREESBORO, TN 37128 | AFLAC | $1 | $0 | $1 | 0.00% |
| BRADLEY L ELLIS3 | 6807 FRAINERY RD TIMNATH, CO 80547 | AFLAC | $1 | $0 | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 427 BENTON, KY 42025 | VISION SERVICE PLAN | $856 | $0 | $856 | 6.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 125 S WACKER DR STE 300 CHICAGO, IL 606060000 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 21.42% |
| RHONDA R BUCKNER3 | 500 FOREST RD GADSDEN, AL 35901 | AFLAC | $418 | $41 | $459 | 4.24% |
| KIM DIANE JONES3 | 533 BELLWOOD RD LEBANON, TN 37087 | AFLAC | $209 | $0 | $209 | 1.93% |
| KENNETH R APPLE3 | 830 WILLOW TREE CIRCLE CORDOVA, TN 38018 | AFLAC | $136 | $0 | $136 | 1.26% |
| DEWAYNE D RAY3 | 1003 HIGHLAND CREEK CIR GUNTERSVILLE, AL 35976 | AFLAC | $82 | $0 | $82 | 0.76% |
| MICHAEL FOWLER3 | 335 E MAIN ST STE B1 TUPELO, MS 38804 | AFLAC | $71 | $9 | $80 | 0.74% |
| BRIAN S LOWE3 | 4510 LEETH GAP RD BOAZ, AL 35956 | AFLAC | $72 | $0 | $72 | 0.67% |
| SHANNON L MCBRIDE3 Filed as: SHANNON L WYNN | 732 LOPER LN GUNTERSVILLE, AL 35976 | AFLAC | $38 | $0 | $38 | 0.35% |
| ROBERT L GOBLE3 | 250 34TH AVE NE HICKORY, NC 28601 | AFLAC | $33 | $0 | $33 | 0.31% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $27 | $0 | $27 | 0.25% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $27 | $0 | $27 | 0.25% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $22 | $0 | $22 | 0.20% |
| KEITH R MOORE3 | 135 WALNUT CREEK RD CORDOVA, TN 38018 | AFLAC | $17 | $0 | $17 | 0.16% |
| LOUIS CULLEN SMITH3 | 3504 GREENWOOD DR HERMITAGE, TN 37076 | AFLAC | $15 | $0 | $15 | 0.14% |
| SHANNON L MCBRIDE3 Filed as: SHANNON L WYNN | 198 DOGWOOD CIR NW FORT PAYNE, AL 35967 | AFLAC | $3 | $9 | $12 | 0.11% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $4 | $0 | $4 | 0.04% |
| AMY B CITRON3 | 1024 GRANADA AVE NASHVILLE, TN 37206 | AFLAC | $4 | $0 | $4 | 0.04% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $4 | $0 | $4 | 0.04% |
| ROGER MURRAY JOHNSON3 | 5936 ENCLAVE DR MURFREESBORO, TN 37128 | AFLAC | $2 | $0 | $2 | 0.02% |
| JOEL SANDERS3 Filed as: JOEL A SANDERS | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $0 | $0 | $0 | 0.00% |
| JOHN W AMOS3 | 10051 VETERANS PWY STE B-2 MIDLAND, GA 31820 | AFLAC | $0 | $0 | $0 | 0.00% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN RD STE 150 MONTGOMERY, AL 36117 | AFLAC | $0 | $0 | $0 | 0.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: RONALD F BROWN | 5150 BAY TOWN CONWAY, AZ 72034 | AFLAC | $0 | $0 | $0 | 0.00% |
| CHARLES L CHANCELLOR3 | 903 WEATHERFORD DR BENTON, AR 72015 | AFLAC | $0 | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 125 S WACKER DR STE 300 CHICAGO, IL 606060000 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 427 BENTON, KY 42025 | CINCINNATI LIFE INSURANCE COMPANY | $117 | $0 | $117 | 1.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 16.67% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 153 | $48K |
| Vision | VISION SERVICE PLAN | 86 | $13K |
| Life insurance(3 contracts, 3 carriers) | ONE AMERICA | 132 | $58K |
| Short-term disability(2 contracts, 2 carriers) | ONE AMERICA | 131 | $48K |
| Long-term disability(2 contracts, 2 carriers) | ONE AMERICA | 131 | $50K |
| Other(5 contracts, 4 carriers) | ONE AMERICA | 132 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.