| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC. | PO BOX 427 BENTON, KY 42025 | HUMANA HEALTH PLAN, INC. | $30K | $3K | $33K | 4.45% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC. | 1120 MAIN STREET BENTON, KY 42025 | DELTA DENTAL OF KENTUCKY | $2K | $0 | $2K | 5.58% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC. | PO BOX 51 FRANKLIN, KY 42135 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC. | PO BOX 51 FRANKLIN, KY 42135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $133 | $2K | 8.92% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $897 | $328 | $1K | 6.02% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $413 | $9 | $422 | 2.07% |
| FRANKIE GLEE WILLIAMS3 | 206 HURRICANE SHORES ROAD SCOTTSVILLE, KY 42164 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $313 | $89 | $402 | 1.97% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH S. GOLDEN | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $307 | $70 | $377 | 1.85% |
| MJ INSURANCE3 Filed as: LEIGH L. ARMSTRONG & VARIOUS AGENTS | 1330 WALNUT WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $157 | $3 | $160 | 0.79% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M. BENNETT | PO BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 0.34% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC. | PO BOX 51 FRANKLIN, KY 42135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $762 | $34 | $796 | 4.51% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $645 | $62 | $707 | 4.01% |
| MJ INSURANCE3 Filed as: JEFFREY WANN AND VARIOUS AGENTS | 513 EAST EAGLE PASS ROAD ELIZABETHTOWN, KY 42701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $323 | $13 | $336 | 1.90% |
| MARYANNE ANDERSON3 | 1014 EDGEFIELD WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $103 | $1 | $104 | 0.59% |
| FRANKIE GLEE WILLIAMS3 | 206 HURRICANE SHORES ROAD SCOTTSVILLE, KY 42164 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $14 | $73 | 0.41% |
| LEIGH L ARMSTRONG3 Filed as: LEIGH L. ARMSTONG | 1330 WALNUT WAY BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.22% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.16% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC. | PO BOX 427 BENTON, KY 42025 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $995 | $0 | $995 | 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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 105 | $750K |
| Dental | DELTA DENTAL OF KENTUCKY | 141 | $37K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 169 | $10K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 179 | $29K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 105 | $750K |
| Other(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 179 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.