| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HINTON AGENCY LLC3 | 121 EAST ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 15.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: KENTUCKY RETAIL FEDERATION INSURANC | 512 CAPITAL AVENUE FRANKFORT, KY 40601 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 5.00% |
| THE HINTON AGENCY LLC3 | 121 EAST ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $10K | $18K | 42.54% |
| LESLIE ANN FEATHERLY3 Filed as: LESLIE FEATHERLY | 3022 HELENA ROAD FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $214 | $2K | 5.28% |
| PENA ENTERPRISES INC3 | 3288 SWEET CLOVER LANE LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $151 | $2K | 3.93% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: KENTUCKY RETAIL FEDERATION INSURANC | 512 CAPITAL AVENUE FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.50% |
| REGINA SCHMUTTE3 | 851 CHARWOOD DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | $968 | $1K | 2.99% |
| SARAH BARDELL3 | 2132 LIGHTHOUSE LANE LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $955 | $45 | $1K | 2.40% |
| DANNY KYLE PRATER3 | PO BOX 281 TOLLESBORO, KY 41189 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $63 | $215 | 0.52% |
| THE HINTON AGENCY LLC3 | 305 WEDDLE STREET FLEMINGSBURG, KY 41041 | VISION SERVICE PLAN | $511 | — | $511 | 9.66% |
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 | 96 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 79 | $42K |
| Vision | VISION SERVICE PLAN | 37 | $5K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 96 | $93K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 96 | $93K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 96 | $52K |
| Other | HARTFORD LIFE AND ACCIDENT | 96 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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.