| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 6.46% |
| ASSUREDPARTNERS3 | 4500 TOWN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | $0 | $2K | 2.28% |
| MARY CARMELA BERARDI3 | 3617 BEATEN PATH LEXINTON, KY 40509 | AFLAC | $151 | $62 | $213 | 11.52% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PLACE, SUITE 26 LEXINGTON, KY 40509 | AFLAC | $33 | $12 | $45 | 2.43% |
| HEATHER L MAMMEN3 Filed as: HEATHER L. MAMMEN | 251 BIG EDDY ROAD FRANKFORT, KY 40601 | AFLAC | $22 | $12 | $34 | 1.84% |
| HEATHER Y. STORM3 | PO BOX 215 CARLISLE, KY 40311 | AFLAC | $27 | $0 | $27 | 1.46% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS AND VARIOUS AGENTS | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $11 | $0 | $11 | 0.59% |
| JOHN SIDNEY HAWKINS3 | 3617 BEATEN PATH LEXINGTON, KY 40509 | AFLAC | $9 | $0 | $9 | 0.49% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE K. KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $5 | $0 | $5 | 0.27% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 297 | $80K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 297 | $80K |
| Life insurance | STANDARD INSURANCE COMPANY | 180 | $134K |
| Short-term disability | STANDARD INSURANCE COMPANY | 180 | $134K |
| Long-term disability | STANDARD INSURANCE COMPANY | 180 | $134K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 180 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.