| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HINTON AGENCY LLC3 | 121 EAST ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $4K | $9K | 20.07% |
| LESLIE ANN FEATHERLY3 Filed as: LESLIE FEATHERLY | 3022 HELENA ROAD FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $221 | $2K | 4.58% |
| PENA ENTERPRISES INC3 | 2212 BELMONT DRIVE LEXINGTON, KY 40516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $773 | $43 | $816 | 1.91% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: KENTUCKY RETAIL FEDERATION INSURANC | 512 CAPITAL AVENUE FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $802 | — | $802 | 1.88% |
| SARAH BARDELL3 | 424 CUNNINGHAM LANE LEXINGTON, KY 40508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $475 | $37 | $512 | 1.20% |
| ADAM L HINTON | 121 EAST ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $169 | $316 | 0.74% |
| REGINA SCHMUTTE3 | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $172 | $224 | 0.53% |
| DANNY KYLE PRATER3 | PO BOX 281 TOLLESBORO, KY 41189 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $9 | $32 | 0.08% |
| THE HINTON AGENCY LLC3 | 121 EAST ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| THE HINTON AGENCY LLC3 | 121 EAST ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.94% |
| THE HINTON AGENCY LLC3 | 121 EAST ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| THE HINTON AGENCY LLC3 | 121 EAST ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE HINTON AGENCY LLC3 | 121 EAST ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| THE HINTON AGENCY LLC3 | 121 EAST ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $537 | — | $537 | 9.99% |
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 | 82 | $43K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 60 | $20K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 41 | $5K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 96 | $63K |
| Short-term disability(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 96 | $63K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $22K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $39K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.