| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC. | P.O. BOX 427 BENTON, KY 420250427 | HUMANA HEALTH PLAN, INC. | $24K | $801 | $25K | 4.13% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC. | P.O. BOX 427 BENTON, KY 42025 | AFLAC | $2K | — | $2K | 7.48% |
| CATHERINE JOYCE BRATCHER3 | 75 BUCKNER STREET MADISONVILLE, KY 42431 | AFLAC | $1K | — | $1K | 4.50% |
| KANSAS DAWN RAY3 | 1895 WOLF HOLLOW ROAD MANITOU, KY 42436 | AFLAC | $1K | — | $1K | 4.31% |
| HEATH MARIE GONZALEZ3 | 47 BRIGHTON AVENUE MADISONVILLE, KY 42431 | AFLAC | $1K | — | $1K | 3.12% |
| FRANK ANTHONY LAIRD3 | 222 KENTUCKY AVENUE SUITE 3 PADUCAH, KY 42003 | AFLAC | $822 | — | $822 | 2.48% |
| HEATH MARIE GONZALEZ3 | 47 BRIGTON AVENUE MADISONVILLE, KY 42431 | AFLAC | $735 | — | $735 | 2.22% |
| TYLER M TRAVIS3 Filed as: TYLER M. TRAVIS | 707 LESLIE AVENUE GLASGOW, KY 42141 | AFLAC | $661 | — | $661 | 2.00% |
| DAVID HUGHES3 Filed as: DAVID BRENT HUGHES | 226 DECKARD SCHOOL ROAD RINEYVILLE, KY 40162 | AFLAC | $412 | — | $412 | 1.25% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $201 | — | $201 | 0.61% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC. | 4000 SMITH ROAD SUITE 400 CINCINNATI, OH 45209 | AFLAC | $190 | — | $190 | 0.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC. | 9300 SHELBYVILLE ROAD SUITE 1004 LOUISVILLE, KY 40222 | AFLAC | $112 | — | $112 | 0.34% |
| AKERS ENTERPRISES LLC3 | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | AFLAC | $101 | — | $101 | 0.31% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $101 | — | $101 | 0.31% |
| BRIAN GRAHAM INC3 Filed as: BRIAN GRAHAM INC. | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | AFLAC | $87 | — | $87 | 0.26% |
| SETH O AKERS3 | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | AFLAC | $66 | — | $66 | 0.20% |
| POWELL ENTERPRISES LLC3 | 125 PLANTATION CENTRE DRIVE SOUTH SUITE 900 MACON, GA 31210 | AFLAC | $58 | — | $58 | 0.18% |
| ALLISON JONES LUCKETT3 | 5224 PEBBLE CREEK PLACE LOUISVILLE, KY 40241 | AFLAC | $45 | — | $45 | 0.14% |
| BRADLEY L ELLIS3 Filed as: BRADLEY L. ELLIS | 7713 INDEPENDENCE PLACE CRESTWOOD, KY 40014 | AFLAC | $43 | — | $43 | 0.13% |
| BRIAN GRAHAM INC3 Filed as: BRIAN GRAHAM INC. | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | AFLAC | $40 | — | $40 | 0.12% |
| THERESA J SMITH3 Filed as: THERESA J. SMITH | 3521 HURSTBOURNE RIDGE BOULEVARD LOUISVILLE, KY 40299 | AFLAC | $22 | — | $22 | 0.07% |
| FERDINAND MARLOW3 | 1261 LINCOLN DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $20 | — | $20 | 0.06% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $19 | — | $19 | 0.06% |
| MICHAEL R. SHUGARS3 | 5603 MORRISON AVENUE LOUISVILLE, KY 40214 | AFLAC | $15 | — | $15 | 0.05% |
| STEPHEN C SNYDER BENE SOLUTIONS LLC3 Filed as: STEPHEN C. SNYDER | 125 PLANTATION CENTRE DRIVE SOUTH SUITE 900B MACON, GA 31210 | AFLAC | $15 | — | $15 | 0.05% |
| STEPHEN C SNYDER BENE SOLUTIONS LLC3 Filed as: STEPHEN C. SNYDER | 2400 HERODIAN WAY SOUTHEAST SUITE 170 SMYRNA, GA 30080 | AFLAC | $9 | — | $9 | 0.03% |
| DENNIS HARTIN3 | 500 KNIGHTS RUN AVENUE UNIT 1801 TAMPA, FL 33602 | AFLAC | $8 | — | $8 | 0.02% |
| STEPHEN C SNYDER BENE SOLUTIONS LLC3 | 125 PLANTATION CENTRE DRIVE SOUTH SUITE 900B MACON, GA 31210 | AFLAC | $2 | — | $2 | 0.01% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA J. FLY | P.O. BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC. | P.O. BOX 427 BENTON, KY 42025 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 7.25% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC. | 1120 MAIN STREET P.O. BOX 427 BENTON, KY 42025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $123 | $3K | 15.75% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND | P.O. BOX 427 BENTON, KY 42025 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $846 | — | $846 | 10.00% |
| JAMES BENNETT3 Filed as: JAMES N. BENNETT | P.O. BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 3.26% |
| MIKE TERRY3 | P.O. BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.42% |
| MARGARET C TERRY3 Filed as: MARGARET C. TERRY | P.O. BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.24% |
| FARMERS CAPITAL INSURANCE CORP3 Filed as: FARMERS CAPITAL INSURANCE CORP. | P.O. BOX 309 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.19% |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.09% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M. BENNETT | P.O. BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 9.69% |
| MIKE TERRY3 | P.O. BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 1.62% |
| MARGARET C TERRY3 Filed as: MARGARET C. TERRY | P.O. BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.32% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 87 | $604K |
| Dental | DELTA DENTAL OF KENTUCKY | 107 | $28K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 130 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $16K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $16K |
| Other(4 contracts, 3 carriers) | AFLAC | 183 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.