| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC-PO | PO BOX 427 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY, INC | $9K | — | $9K | 5.48% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND, INC | PO BOX 427 BENTON, KY 42025 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 3.80% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOC LLC | 2660 OLIVET CHRUCH ROAD SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.58% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOC LLC | 2660 OLIVET CHURCH ROAD SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.01% |
| HOLLANDSTIVERS ASSOC3 Filed as: HOLLANDSTIVERS & ASSOC LLC | 2660 OLIVET CHRUCH ROAD SUITE 1 PADUCAH, KY 42001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | AFLAC | $367 | — | $367 | 2.30% |
| ANGELA KAYE DOWDY3 Filed as: ANGELA DOWDY | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $298 | — | $298 | 1.87% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK LAIRD | 222 KENTUCKY AVENUE SUITE 804 PADUCAH, KY 42001 | AFLAC | $185 | — | $185 | 1.16% |
| BRIDGITT L OSWALT3 Filed as: BRIDGITT OSWALT | 136 HICKORY HILL LANE BENTON, KY 42025 | AFLAC | $183 | — | $183 | 1.15% |
| PHILIP LYNN3 | 905 DIVISION STREET CHARLESTON, IL 61920 | AFLAC | $88 | — | $88 | 0.55% |
| SHERRY HAGAN3 | 81 ANCHOR LANE GILBERTVILLE, KY 42044 | AFLAC | $70 | — | $70 | 0.44% |
| R WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $56 | — | $56 | 0.35% |
| TERRY D TURNER3 Filed as: TERRY TURNER | PO BOX 306 GILBERTSVILLE, KY 42044 | AFLAC | $54 | — | $54 | 0.34% |
| AMANDA M ROBERTS3 Filed as: AMANDA ROBERTS | PO BOX 1374 FULTON, KY 42041 | AFLAC | $52 | — | $52 | 0.33% |
| DENNIS HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $49 | — | $49 | 0.31% |
| JOSEPH GARETT KELLER3 Filed as: JOSEPH EAMES | 2624 SOUTH GRIFFITH AVENUE OWENSBORO, KY 42301 | AFLAC | $42 | — | $42 | 0.26% |
| KEVIN LORENZEN3 | 109 DIAMOND TRAIL ROAD PLACITAS, NM 87043 | AFLAC | $42 | — | $42 | 0.26% |
| WILLIAM A. HUGHES3 Filed as: WILLIAM ROSS | PO BOX 94415 ALBUQUERQUE, NM 87199 | AFLAC | $39 | — | $39 | 0.24% |
| LYNNE YAPLE3 | PO BOX 94415 ALBUQUERQUE, NM 87199 | AFLAC | $39 | — | $39 | 0.24% |
| BRANDON THOMPSON3 | 7 HILANOA DRIVE METROPOLIS, IL 62960 | AFLAC | $27 | — | $27 | 0.17% |
| KAREN STONE3 | 567 LAKE SCENE DRIVE EDDYVILLE, KY 42038 | AFLAC | $27 | — | $27 | 0.17% |
| TIMOTHY A LAIRD3 Filed as: TIMOTHY LAIRD | 97 RAINBOW LANE MAYFIELD, KY 42066 | AFLAC | $25 | — | $25 | 0.16% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $23 | — | $23 | 0.14% |
| MICHAEL KAUFMAN3 | 3818 LOS ALTOS AVENUE NORTHEAST RIO RANCHO, NM 87124 | AFLAC | $20 | — | $20 | 0.13% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $19 | — | $19 | 0.12% |
| TYLER M TRAVIS3 Filed as: TYLER TRAVIS | 707 LESLIE AVENUE GLASGOW, KY 42141 | AFLAC | $19 | — | $19 | 0.12% |
| JACK E WILSON3 Filed as: JACK WILSON | 125 ROSEMONT DRIVE PADUCAH, KY 42001 | AFLAC | $18 | — | $18 | 0.11% |
| KANSAS DAWN RAY3 Filed as: KANSAS RAY | 1695 WOLF HOLLOW ROAD MANITOU, KY 42436 | AFLAC | $17 | — | $17 | 0.11% |
| JENNIFER ABERNATHY3 | 703 WILFORD STREET MAYFIELD, KY 42086 | AFLAC | $17 | — | $17 | 0.11% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 1500 BEVILLE ROAD SUITE 606#327 DAYTONA BEACH, FL 32114 | AFLAC | $12 | — | $12 | 0.08% |
| JOSEPH GARETT KELLER3 Filed as: JOSEPH KELLER | 422 FREDRICA STREET OWENSBORO, KY 42301 | AFLAC | $11 | — | $11 | 0.07% |
| JENNIFER KELLER3 | 422 FREDRICA STREET OWENSBORO, KY 42301 | AFLAC | $11 | — | $11 | 0.07% |
| JOSH MURILLO3 | 5959 GATEWAY BOULEVARD WEST SUITE 620 EL PASO, TX 79925 | AFLAC | $9 | — | $9 | 0.06% |
| PENNEY CULP3 | 867 WARNICK ROAD BENTON, KY 42025 | AFLAC | $8 | — | $8 | 0.05% |
| ED ELLISON3 | 1776 BLACK RIVER DRIVE NORTHEAST RIO RANCHO, NM 87144 | AFLAC | $2 | — | $2 | 0.01% |
| LISA A ALMANZA3 Filed as: LISA ALMANZA | 4171 NORTH MESA STREET SUITE A102 EL PASO, TX 79902 | AFLAC | $2 | — | $2 | 0.01% |
| BRANDY ANN HARTIN3 Filed as: BRANDY HARTIN | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $1 | — | $1 | 0.01% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY CASTELLANETA | 276 MONTEREY DRIVE SUITE 4 NEW LENOX, IL 60451 | AFLAC | $1 | — | $1 | 0.01% |
| ANGELA KAYE DOWDY3 | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $52 | — | $52 | 1.81% |
| PHILIP LYNN3 | 905 DIVISION STREET CHARLESTON, IL 61920 | AFLAC | $46 | — | $46 | 1.60% |
| BRANDON H THOMPSON3 | 7 HILANOA DRIVE METROPOLIS, IL 62960 | AFLAC | $38 | — | $38 | 1.32% |
| FRANK ANTHONY LAIRD3 | 333 BROADWAY STREET SUITE 804 PADUCAH, KY 42001 | AFLAC | $34 | — | $34 | 1.19% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | AFLAC | $31 | — | $31 | 1.08% |
| AMANDA M ROBERTS3 | PO BOX 1374 FULTON, KY 42041 | AFLAC | $18 | — | $18 | 0.63% |
| TIMOTHY A LAIRD3 | 97 RAINBOW LANE MAYFIELD, KY 42066 | AFLAC | $18 | — | $18 | 0.63% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $12 | — | $12 | 0.42% |
| DAVID S. LIESKE3 Filed as: DAVID S LIESKE | 3441 WOLF SPRING LANE BARTLETT, TN 38133 | AFLAC | $11 | — | $11 | 0.38% |
| BRIDGETT L OSWALT3 | 136 HICKORY HILL LANE BENTON, KY 42025 | AFLAC | $9 | — | $9 | 0.31% |
| JOSEPH L EAMES3 | 2624 SOUTH GRIFFITH AVENUE OWENSBORO, KY 42301 | AFLAC | $6 | — | $6 | 0.21% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $4 | — | $4 | 0.14% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $3 | — | $3 | 0.10% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $2 | — | $2 | 0.07% |
| BRADLEY L ELLIS3 | 1500 BEVILLE ROAD SUITE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $2 | — | $2 | 0.07% |
| DENNIS HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $2 | — | $2 | 0.07% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY LNY CASTELLANETA | 276 MONTEREY DRIVE SUITE 4 NEW LENOX, IL 60451 | AFLAC | $1 | — | $1 | 0.03% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 153 | $46K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 126 | $167K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $19K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 126 | $167K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $35K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.