| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | AFLAC | $5K | — | $5K | 5.78% |
| MURPHY M DEMUNBRUN JR3 Filed as: MURPHY DEMUNBRUN JR. | 900 REX BARTLEY ROAD GLASGOW, KY 42141 | AFLAC | $5K | $230 | $5K | 5.78% |
| MJ INSURANCE3 Filed as: AMY JOHANNEMANN AND VARIOUS AGENTS | PO BOX 22806 LOUISVILLE, KY 40252 | AFLAC | $4K | $5 | $4K | 4.18% |
| TYLER M TRAVIS3 Filed as: TYLER TRAVIS | 707 LESLIE AVENUE GLASGOW, KY 42141 | AFLAC | $2K | $63 | $2K | 2.53% |
| JAMES A. THOMPSON3 Filed as: JAMES THOMPSON | 5549 BURKESVILLE ROAD GLASGOW, KY 42141 | AFLAC | $2K | — | $2K | 2.04% |
| JOHN MIKE COLLINS3 Filed as: JOHN STARR | 1088 TOURNAMENT DRIVE SPRING HILL, FL 34608 | AFLAC | $731 | $87 | $818 | 0.88% |
| PHILLIP D BLAKEMAN3 Filed as: PHILLIP BLAKEMAN | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $563 | $61 | $624 | 0.67% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | ONE AMERICA | $7K | $4K | $11K | 13.69% |
| COMMUNITY ACTION KENTUCKY, INC.3 | 101 BURCH COURT FRANKFORT, KY 40601 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 2.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY, INC. | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 2.86% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 179 | $93K |
| Dental | DELTA DENTAL OF KENTUCKY | 271 | $70K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 186 | $15K |
| Life insurance | ONE AMERICA | 193 | $80K |
| Short-term disability | ONE AMERICA | 193 | $80K |
| Long-term disability | ONE AMERICA | 193 | $80K |
| Other(2 contracts, 2 carriers) | AFLAC | 193 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.