| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM HEALTH PLANS OF KENTUCKY, IN | — | ANTHEM HEALTH PLANS OF KENTUCKY, INC | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND, INC | PO BOX 427 BENTON, KY 42025 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 3.70% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLAND STIVERS & ASSOCIA | 2660 OLIVET CHRUCH ROAD SUITE 1 PADUCAH, KY 42001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.72% |
| AMANDA M ROBERTS3 Filed as: AMANDA ROBERTS | 222 5TH STREET FULTON, KY 42041 | AFLAC | $582 | $24 | $606 | 2.70% |
| ANGELA KAYE DOWDY3 Filed as: ANGELA DOWDY | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $438 | $52 | $490 | 2.18% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | AFLAC | $427 | — | $427 | 1.90% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK LAIRD | 222 KENTUCKY AVENUE SUITE 3 PADUCAH, KY 42003 | AFLAC | $304 | $22 | $326 | 1.45% |
| BRIDGITT L OSWALT3 | 136 HICKORY HILL LANE BENTON, KY 42025 | AFLAC | $209 | — | $209 | 0.93% |
| BRIDGITT L OSWALT3 Filed as: BRIDGITT OSWALT | 136 HICKORY HILL LANE BENTON, KY 42025 | AFLAC | $209 | — | $209 | 0.93% |
| KAREN STONE3 | 567 LAKE SCENC DRIVE EDDYVILLE, KY 42038 | AFLAC | $132 | — | $132 | 0.59% |
| PHILIP LYNN3 | 2378 COUNTRY ROAD 925 NORTH FAIRFIELD, IL 62837 | AFLAC | $106 | — | $106 | 0.47% |
| R WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $74 | — | $74 | 0.33% |
| SHERRY HAGAN3 | 81 ANCHOR LANE GILBERTVILLE, KY 42044 | AFLAC | $70 | — | $70 | 0.31% |
| TIMOTHY A LAIRD3 | 195 FARMINGTON STREET FARMINGTON, KY 42040 | AFLAC | $27 | $41 | $68 | 0.30% |
| STEVE COOPER3 | 2400 DAVIS ROAD HILLSBOROUGH, NC 27278 | AFLAC | $64 | — | $64 | 0.28% |
| JOSEPH L EAMES3 | 2624 SOUTH GRIFFITH AVENUE OWENSBORO, KY 42301 | AFLAC | $62 | — | $62 | 0.28% |
| TERRY D TURNER3 Filed as: TERRY TURNER | PO BOX 306 GILBERTSVILLE, KY 42044 | AFLAC | $56 | — | $56 | 0.25% |
| TEATORS INS PROTECTION SERVICES3 | 524 TROUTWOOD PLACE FUQUAY VARINA, NC 27526 | AFLAC | $52 | — | $52 | 0.23% |
| DENNIS HARTIN3 | 155 CYPRESS LANE OLDSMAR, FM 34677 | AFLAC | $48 | — | $48 | 0.21% |
| KEVIN LORENZEN3 | 109 DIAMOND TRAIL ROAD PLACITAS, NM 87043 | AFLAC | $42 | — | $42 | 0.19% |
| WILLIAM A. HUGHES3 Filed as: WILLIAM ROSS | PO BOX 94415 ALBUQUERQUE, NM 87199 | AFLAC | $39 | — | $39 | 0.17% |
| LYNNE YAPLE3 | PO BOX 94415 ALBUQUERQUE, NM 87199 | AFLAC | $39 | — | $39 | 0.17% |
| MANDY MAYES3 | 5811 COLLINS DRIVE DURHAM, NC 27712 | AFLAC | $37 | — | $37 | 0.16% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $25 | — | $25 | 0.11% |
| BRANDON H THOMPSON3 | 7 HILANOA DRIVE METROPOLIS, IL 62960 | AFLAC | $24 | — | $24 | 0.11% |
| JOSEPH GARETT KELLER3 Filed as: JOSEPH KELLER | 319 EAST 2ND STREET OWENSBORO, KY 42303 | AFLAC | $11 | $11 | $22 | 0.10% |
| WILLIAM L BAKER IV3 Filed as: WILLIAM BAKER IV | 2310 SOUTH MIAMI BOULEVARD SUITE 239 DURHAM, NC 27703 | AFLAC | $21 | — | $21 | 0.09% |
| MICHAEL KAUFMAN3 | 3818 LOS ALTOS AVENUE NORTHEAST RIO RANCHO, NM 87124 | AFLAC | $20 | — | $20 | 0.09% |
| REBECCA MAYES3 | 5007 SOUTH PARK DRIVE SUITE 200G DURHAM, NC 27713 | AFLAC | $20 | — | $20 | 0.09% |
| JACK E WILSON3 Filed as: JACK WILSON | 125 ROSEMONT DRIVE PADUCAH, KY 42001 | AFLAC | $18 | — | $18 | 0.08% |
| KANSAS DAWN RAY3 Filed as: KANSAS RAY | 1695 WOLF HOLLOW ROAD MANITOU, KY 42436 | AFLAC | $17 | — | $17 | 0.08% |
| JENNIFER ABERNATHY3 | 703 WILFORD STREET MAYFIELD, KY 42086 | AFLAC | $17 | — | $17 | 0.08% |
| JENNIFER KELLER3 | 319 EAST 2ND STREET OWENSBORO, KY 42303 | AFLAC | $11 | $2 | $13 | 0.06% |
| JOSH MURILLO3 | 5953 GATEWAY BOULEVARD WEST SUITE 620 EL PASO, TX 79925 | AFLAC | $9 | — | $9 | 0.04% |
| PENNEY CULP3 | 867 WARNICK ROAD BENTON, KY 42025 | AFLAC | $8 | — | $8 | 0.04% |
| LARRRY WESTON JR3 | 321 WINDSOR ROAD GREENVILLE, NC 42025 | AFLAC | $8 | — | $8 | 0.04% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $5 | $2 | $7 | 0.03% |
| TYLER M TRAVIS3 Filed as: TYLER TRAVIS | 707 LESLIE AVENUE GLASGOW, KY 42141 | AFLAC | $7 | — | $7 | 0.03% |
| BRADLEY L ELLIS3 | 7713 INDEPENDENCE PLACE CRESTWOOD, KY 40014 | AFLAC | $3 | $2 | $5 | 0.02% |
| HENRY BIGGS3 | 1104 PARIS ROAD F13 SUITE 200 MAYFIELD, KY 40014 | AFLAC | $4 | — | $4 | 0.02% |
| CD OLLISON3 | 1776 BLACK RIVER DRIVE NORTHEAST RIO RANCHO, NM 87144 | AFLAC | $1 | — | $1 | 0.00% |
| LISA A ALMANZA3 Filed as: LISA ALMANZA | 5959 GATEWAY BOULVARD WEST SUITE 655 EL PASO, TX 79925 | AFLAC | $1 | — | $1 | 0.00% |
| GORDON VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $0 | — | $0 | 0.00% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY CASTELLANETA | 276 MONTEREY DRIVE SUITE 4 NEW LENOX, IL 60451 | AFLAC | $0 | — | $0 | 0.00% |
| LAUREN E SKINNER3 Filed as: LAUREN SKINNER | 1024 MOCKINGBIRD LANE RALEIGH, NC 27615 | AFLAC | $0 | — | $0 | 0.00% |
| JILL DENTON3 | 3500 WESTGATE DRIVE SUTIE 602 DURHAM, NC 27707 | AFLAC | $0 | — | $0 | 0.00% |
| DONNA STRICKLAND3 | 511 WELLINGHAM DRIVE DURHAM, NC 27713 | AFLAC | $0 | — | $0 | 0.00% |
| BRANDY ANN HARTIN3 Filed as: BRANDY HARTIN | 155 CYPRESS LANE OLDSMAR, FL 34677 | AFLAC | $0 | — | $0 | 0.00% |
| THOMAS W BOSTON3 Filed as: THOMAS WORKMAN | PO BOX 17761 COVINGTON, KY 41017 | AFLAC | $0 | — | $0 | 0.00% |
| TANDRA FAYE FREED3 Filed as: TANDRA FREED | 719 LAWMAN AVENUE BRIDGEPORT, WV 26330 | AFLAC | $0 | — | $0 | 0.00% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLAND STIVERS & ASSOCIA | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.56% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLAND STIVERS & ASSOCIA | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| ANGELA KAYE DOWDY3 | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $85 | $25 | $110 | 2.57% |
| PHILLIP LYNN3 | 2378 COUNTRY ROAD 925 NORTH FAIRFILED, IL 62837 | AFLAC | $80 | — | $80 | 1.87% |
| FRANK ANTHONY LAIRD3 | 222 KENTUCKY AVENUE SUITE 3 PADUCAH, KY 42003 | AFLAC | $45 | $8 | $53 | 1.24% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | AFLAC | $44 | — | $44 | 1.03% |
| TIMOTHY A LAIRD3 | 2007 STATE ROUTE 45 NORTH MAYFIELD, KY 42066 | AFLAC | $18 | $23 | $41 | 0.96% |
| BRANDON H THOMPSON3 | 7 HILANOA DRIVE METROPOLIS, IL 62960 | AFLAC | $35 | — | $35 | 0.82% |
| AMANDA M ROBERTS3 | 222 5TH STREET FULTON, KY 42041 | AFLAC | $31 | — | $31 | 0.72% |
| DAVID S. LIESKE3 Filed as: DAVID S LIESKE | 3441 WOLF SPRING LANE BARTLETT, TN 38133 | AFLAC | $16 | — | $16 | 0.37% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $16 | — | $16 | 0.37% |
| BRIDGETT L OSWALT3 | 136 HICKORY HILL LANE BENTON, KY 42025 | AFLAC | $9 | — | $9 | 0.21% |
| JOSEPH L EAMES3 | 2624 SOUTH GRIFFITH AVENUE OWENSBORO, KY 42301 | AFLAC | $9 | — | $9 | 0.21% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $8 | — | $8 | 0.19% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $3 | — | $3 | 0.07% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $1 | — | $1 | 0.02% |
| BRADLEY L ELLIS3 | 7713 INDEPENDENCE PLACE CRESTWOOD, KY 40014 | AFLAC | $1 | — | $1 | 0.02% |
| DENNIS HARTIN3 | 155 CYPRESS LANE OLDSMAR, FL 34677 | AFLAC | $1 | — | $1 | 0.02% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLAND STIVERS & ASSOC | 2660 OLIVET CHRUCH ROAD SUITE 1 PADUCAH, KY 42001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $180 | — | $180 | 9.97% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 176 | $53K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 180 | $250K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $17K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $21K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 180 | $250K |
| Other(4 contracts, 2 carriers) | AFLAC | 158 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.