| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAULA CUTTER3 | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $14K | $1K | $16K | 5.62% |
| KEITH FRIZZELL3 | 1795 ALYSHEBA WAY STE 1204 LEXINGTON, KY 40509 | AFLAC | $11K | $297 | $11K | 4.09% |
| AMELIA S COX3 Filed as: AMELIA COX | 1340 S. LAUREL RD. LONDON, KY 40744 | AFLAC | $1K | $339 | $2K | 0.58% |
| LAURA BETH KELLER3 Filed as: LAURA KELLER | 2220 EXECUTIVE DR STE 204 LEXINGTON, KY 40505 | AFLAC | $1K | $102 | $2K | 0.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO INC | 6100 FAIRVIEW RD STE 204 CHARLOTTE, NC 28210 | AFLAC | $2K | — | $2K | 0.55% |
| BROCK POWELL3 | 125 PLANTATION CENTRE DR S SUITE 900 MACON, GA 31210 | AFLAC | $1K | — | $1K | 0.46% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 350 E SHORT ST NUMBER 416 LEXINGTON, KY 40507 | AFLAC | $642 | $369 | $1K | 0.37% |
| RUEANN EMERSON3 | 4820 LAKE BROOK DR STE 125 GLEN ALLEN, VA 23060 | AFLAC | $535 | — | $535 | 0.19% |
| TAMARA LYNN HELTON3 Filed as: TAMARA HELTON | 7023 US 60 SUITE C ASHLAND, KY 41102 | AFLAC | $430 | $49 | $479 | 0.17% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $476 | — | $476 | 0.17% |
| CHERYL C NELSON3 Filed as: CHERYL NELSON | 722 LANDIS RIDGE DR LOUISVILLE, KY 40245 | AFLAC | $430 | $29 | $459 | 0.17% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4550 MARSHALL RUN CIR APT 308 GLEN ALLEN, VA 23059 | AFLAC | $410 | — | $410 | 0.15% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $407 | — | $407 | 0.15% |
| LESLIE T CUMPTAN3 Filed as: LESLIE CUMPTON | 320 9TH ST STE 200 HUNTINGTON, WV 25701 | AFLAC | $171 | $174 | $345 | 0.12% |
| ANNE T. ALTIERI3 Filed as: ANNE ALTIERI | 4030 TATES CREEK RD APT 2969 LEXINGTON, KY 40517 | AFLAC | $181 | $160 | $341 | 0.12% |
| JASON SPRAY3 | 118 MARION MOUTAIN DR GRAY, KY 40734 | AFLAC | $311 | — | $311 | 0.11% |
| SALLY MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $264 | — | $264 | 0.10% |
| RICKY A. INMAN3 Filed as: RICKY INMAN | 1265 ROY DUGGER RD LONDON, KY 40741 | AFLAC | $155 | $99 | $254 | 0.09% |
| DAVID A EMERSON3 Filed as: DAVID A. EMERSON | 4820 LAKE BROOK DR. STE. 125 GLEN ALLEN, VA 23060 | AFLAC | $216 | $10 | $226 | 0.08% |
| JEREMY T WRIGHT3 Filed as: JEREMY WRIGHT | 3467 HIGHWAY 317 JACKHORN, KY 41825 | AFLAC | $178 | $37 | $215 | 0.08% |
| TANDRA FAYE FREED3 Filed as: TANDRA FREED | 719 LAWMAN AVE BRIDGEPORT, WV 26330 | AFLAC | $195 | — | $195 | 0.07% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $194 | — | $194 | 0.07% |
| KERRY KIMBROUGH3 | PO BOX 23582 LEXINGTON, KY 40523 | AFLAC | $73 | $74 | $147 | 0.05% |
| KENNITH MERCADO3 | PO BOX 37 BETSY LAYNE, KY 41605 | AFLAC | $121 | $19 | $140 | 0.05% |
| CHRISTOPHER SMITH3 | 19 OLD CROW DR BARBOURSVILLE, WV 25504 | AFLAC | $91 | $35 | $126 | 0.05% |
| J A FERGUSON AND ASSOC INC3 Filed as: JA FERGUSON & ASSOC INC | 14301 N 87TH ST STE 309 SCOTTSDALE, AZ 85260 | AFLAC | $107 | — | $107 | 0.04% |
| HEATHER MAMMEN3 | 1468 BOB O LINK DR LEXINGTON, KY 40503 | AFLAC | $104 | — | $104 | 0.04% |
| JAMES R. SEALS3 Filed as: JAMES SEALS | 278 CHIMNEY ROCK RD HAZARD, KY 41701 | AFLAC | $92 | — | $92 | 0.03% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 7713 INDEPENDENCE PL CRESTWOOD, KY 40014 | AFLAC | $39 | $53 | $92 | 0.03% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE RD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $38 | $53 | $91 | 0.03% |
| BRANDON L MILLER3 Filed as: BRANDON MILLER | 320 9TH ST STE 200 HUNTINGTON, WV 25701 | AFLAC | $47 | $35 | $82 | 0.03% |
| R WRIGHT3 | 9200 SHELBYVILLE ROAD STE 605 LOUISVILLE, KY 40222 | AFLAC | $78 | — | $78 | 0.03% |
| TONYA MARIE SHELTON3 Filed as: TONYA SHELTON | 647 LAUREL ROAD SEYMOUR, TN 37865 | AFLAC | $53 | $22 | $75 | 0.03% |
| SANDRA GAIL MEADOWS3 Filed as: SANDRA MEADOWS | 23 RAVENWOOD DR CHARLESTON, WV 25312 | AFLAC | $68 | — | $68 | 0.02% |
| THOMAS A MORRIS AND ASSOC INC3 | 2322 PATCHEN WILKES DR LEXINGTON, KY 40509 | AFLAC | $58 | — | $58 | 0.02% |
| POWELL ENTERPRISES LLC3 | 125 PLANTATION CENTRE DR S STE 900 MACON, GA 31210 | AFLAC | $43 | $15 | $58 | 0.02% |
| JORN EARL OTTE3 Filed as: JORN OTTE | 1119 MAXWELL HILL RD BECKLEY, WV 25801 | AFLAC | $56 | — | $56 | 0.02% |
| JOTHAM HALE3 | 329 LOGAN HOLLOW GRAY, KY 40734 | AFLAC | $52 | — | $52 | 0.02% |
| RPM LTD3 | 25 WEATHERBY CIR SAVANNAH, GA 31405 | AFLAC | $51 | — | $51 | 0.02% |
| LESLIE FAULKNER3 | 50 HURT PLZ SE STE 1630 ATLANTA, GA 30303 | AFLAC | $48 | — | $48 | 0.02% |
| JEAN C. DEARINGER3 Filed as: JEAN DEARINGER | 734 FAIRVIEW CRT HARRODSBURG, KY 40330 | AFLAC | $46 | — | $46 | 0.02% |
| JOHN D PETTIGREW3 | 3057 FOX DEN LANE CINCINNATI, OH 45244 | AFLAC | $46 | — | $46 | 0.02% |
| RICK HALLORAN3 | PO BOX 3058 WEST SOMERSET, KY 42564 | AFLAC | $44 | — | $44 | 0.02% |
| JOAN C. HENSLEY3 Filed as: JOAN HENSLEY | 7 RAGNAR TRL BIG TIMBER, MT 59011 | AFLAC | $42 | — | $42 | 0.02% |
| GUY WILLIAM BARRY3 Filed as: GUY BARRY | 765 MALABU DRIVE LEXINGTON, KY 40502 | AFLAC | $33 | — | $33 | 0.01% |
| SCOTTI MADISON3 | 3330 COBB PARKWAY SUITE 324-3 ACWORTH, GA 30101 | AFLAC | $33 | — | $33 | 0.01% |
| MORGAN ROARK3 | 2107 FRANCIS RD GLEN ALLEN, VA 23060 | AFLAC | $20 | $13 | $33 | 0.01% |
| MITCHELL FRISBY3 | 106 COTTAGE MANOR DANVILLE, KY 40422 | AFLAC | $31 | — | $31 | 0.01% |
| BRANDY ANN HARTIN3 Filed as: BRANDY HARTIN | 500 KNIGHTS RUN AVE UNIT 1801 TAMPA, FL 33602 | AFLAC | $30 | — | $30 | 0.01% |
| REGINA CALDWELL3 | 2046 SINKING CREEK RD LONDON, KY 40741 | AFLAC | $30 | — | $30 | 0.01% |
| THOMAS W BOSTON3 Filed as: THOMAS WORKMAN | PO BOX 17761 COVINGTON, KY 41017 | AFLAC | $30 | — | $30 | 0.01% |
| CHRISTOPHER A. PRICE3 Filed as: CHRISTOPHER PRICE | 147 CROSS PARK DR GEORGETOWN, KY 40324 | AFLAC | $28 | — | $28 | 0.01% |
| CHARLES A HUTCHINSON3 Filed as: CHARLES HUTCHINSON | 2795 ROBERT C BYRD DR BECKLEY, WV 25801 | AFLAC | $27 | — | $27 | 0.01% |
| CARTER L NELSON3 Filed as: CARTER NELSON | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $20 | $4 | $24 | 0.01% |
| ARLIS L MCMAHON3 Filed as: ARLIS MCMAHON | 3136 GLENWOOD DR LEXINGTON, KY 40509 | AFLAC | $23 | — | $23 | 0.01% |
| BOURBON CITY BENEFITS LLC3 | 141 FOX LANE JAMESTOWN, KY 42629 | AFLAC | $21 | — | $21 | 0.01% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA FLY | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $21 | — | $21 | 0.01% |
| TAMARA BURCH3 | 817 SCOTT DEPOT RD SCOTT DEPOT, WV 25560 | AFLAC | $20 | — | $20 | 0.01% |
| SANDRA C BALDWIN3 Filed as: SANDRA BALDWIN | 146 CHAMBERLAIN DRIVE GEORGETOWN, KY 40324 | AFLAC | $19 | — | $19 | 0.01% |
| SUSAN HINKLE3 | 283 HYDE PARK LN CORBIN, KY 40701 | AFLAC | $18 | — | $18 | 0.01% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BENNETT | PO BOX 1268 VERSAILLES, KY 40383 | AFLAC | $16 | — | $16 | 0.01% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA LARSON | 4101 TATES CREEK CENTRE DR STE 150 LEXINGTON, KY 40517 | AFLAC | $16 | — | $16 | 0.01% |
| CHARLENE DUNCANS3 | 210 BRIARWOOD DR SOMERSET, KY 42503 | AFLAC | $3 | $13 | $16 | 0.01% |
| TERRY MATHIAS3 | 1413 SUMMIT LANE CHARLESTON, WV 25302 | AFLAC | $15 | — | $15 | 0.01% |
| BRYAN C SWYERS3 Filed as: BRYAN SWYERS | 2429 HYDE PARK RD JEFFERSON CITY, MO 65109 | AFLAC | $13 | — | $13 | 0.00% |
| THOMAS STUBBS3 Filed as: THOMAS OBRIAN | 1111 N NORTHSHORE DR STE N425 KNOXVILLE, TN 37919 | AFLAC | $13 | — | $13 | 0.00% |
| ROGER TOOHEY3 | PO BOX 1265 SOMERSET, KY 42502 | AFLAC | $13 | — | $13 | 0.00% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $9 | $4 | $13 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 910610 LEXINGTON, KY 40591 | AFLAC | $12 | — | $12 | 0.00% |
| LAWRENCE FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $12 | — | $12 | 0.00% |
| SHANNON CARPENTER3 | 207 CITATION CT WINCHESTER, KY 40391 | AFLAC | $12 | — | $12 | 0.00% |
| LINDA HOPKINS3 | 201 HIGHLAND TRCE HIGHLAND HEIGHTS, KY 41076 | AFLAC | $12 | — | $12 | 0.00% |
| DONALD L LARSON3 Filed as: DONALD LARSON | 1528 LOUISVILLE RD ALCOA, TN 37701 | AFLAC | $11 | — | $11 | 0.00% |
| JEANNETTE FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $11 | — | $11 | 0.00% |
| RHONDA WENBERG3 | 5 HICKORY CREEK CV LITTLE ROCK, AR 72212 | AFLAC | $10 | — | $10 | 0.00% |
| JOHN LEE NABORS3 Filed as: JOHN NABORS | PO BOX 793 WARTBURG, TN 37887 | AFLAC | $9 | — | $9 | 0.00% |
| HALL AND CLARK INS AGCY INC.3 Filed as: HALL AND CLARK INS AGCY INC | PO BOX 508 PRESTONSBURG, KY 41653 | AFLAC | $9 | — | $9 | 0.00% |
| CHASIDY L. PITTMAN3 | 693 RIVA RIDGE TRAIL CORBIN, KY 40701 | AFLAC | $8 | — | $8 | 0.00% |
| JAMES BURRESS3 | 6418 FAYBOROUGH CT DUBLIN, OH 43016 | AFLAC | $8 | — | $8 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWSENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $7 | — | $7 | 0.00% |
| ANGELA M. MARTINEZ3 Filed as: ANGELA MARTINEZ | 2203 GRIBBLE DR COVINGTON, KY 41017 | AFLAC | $7 | — | $7 | 0.00% |
| THOMAS J STEPHENSON3 Filed as: THOMAS STEPHENSON | 320 9TH STREET HUNTINGTON, WV 25701 | AFLAC | $3 | $4 | $7 | 0.00% |
| JUSTIN W DAVIS3 Filed as: JUSTIN DAVIS | 300 LIVE OAK CT TAMPASALEM, VA 24153 | AFLAC | $3 | $4 | $7 | 0.00% |
| ALLIS GAWTHROP3 | 652 ANDOVER VILLAGE PL LEXINGTON, KY 40509 | AFLAC | $6 | — | $6 | 0.00% |
| MARCELLA K MCMILLAN3 Filed as: MARCELLA MCMILLAN | PO BOX 32881 KNOXVILLE, TN 37930 | AFLAC | $6 | — | $6 | 0.00% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS GIDDENS | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $5 | — | $5 | 0.00% |
| FREDERICK BROWNING3 | 218 OVERVIEW DRIVE SOMERSET, KY 42503 | AFLAC | $5 | — | $5 | 0.00% |
| RICHARD JONES3 | 7512 E INDEPENDENCE BLVD STE 103 CHARLOTTE, NC 28227 | AFLAC | $5 | — | $5 | 0.00% |
| TIMOTHY T TEAGUE3 | 5104 RUSSELL RD FRANKLIN, TN 37064 | AFLAC | $5 | — | $5 | 0.00% |
| BRIAN S MARTIN3 Filed as: BRIAN MARTIN | 333 E SHORT ST APT 130 LEXINGTON, KY 40507 | AFLAC | $4 | — | $4 | 0.00% |
| DENNIS HARTIN3 | 500 KNIGHTS RUN AVE UNIT 1801 TAMPA, FL 33602 | AFLAC | $4 | — | $4 | 0.00% |
| LONI LONG3 | 142 GARNET DR NICHOLASVILLE, KY 40356 | AFLAC | $4 | — | $4 | 0.00% |
| CHARLES F GREER3 Filed as: CHARLES GREER | 2888 ALOMA LAKE RUN SUITE 2300 OVIEDO, FL 32765 | AFLAC | $4 | — | $4 | 0.00% |
| RUSSELL P LASNER3 Filed as: RUSSELL LASNER | 1001 TIMMONY CIR ACCOKEEK, MD 20607 | AFLAC | $4 | — | $4 | 0.00% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $3 | — | $3 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 1192 PEYTON DR NW KENNESAW, GA 30152 | AFLAC | $3 | — | $3 | 0.00% |
| GARY DWAYN CHAMBERS3 Filed as: GARY CHAMBERS | 673 PROVIDENCE ROAD LEXINGTON, KY 40502 | AFLAC | $3 | — | $3 | 0.00% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $2 | — | $2 | 0.00% |
| HARE AND ASSOCIATES LLC3 | 470 OLDE WORTHINGTON RD SUITE 250 WESTERVILLE, OH 43082 | AFLAC | $1 | — | $1 | 0.00% |
| PAUL SHELBY AMOS II3 Filed as: PAUL AMOS II | 1932 WYNNTON RD COLUMBUS, GA 31999 | AFLAC | $1 | — | $1 | 0.00% |
| BRYAN MARTIN3 | 17102 MALLET HILL DR LOUISVILLE, KY 40245 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN B LACARIA3 Filed as: JOHN LACARIA | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $1 | — | $1 | 0.00% |
| PAULA GAIL NEAL3 Filed as: PAULA C. CUTTER | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $288 | $52 | $340 | 4.40% |
| AMELIA S COX3 Filed as: AMELIA COX | 1340 S LAUREL RD LONDON, KY 40744 | AFLAC | $116 | $37 | $153 | 1.98% |
| KEITH FRIZZELL3 | 1795 ALYSHEBA WAY STE 1204 LEXINGTON, KY 40509 | AFLAC | $152 | — | $152 | 1.97% |
| MORGAN ROARK3 | 2107 FRANCIS RD GLEN ALLEN, VA 23060 | AFLAC | $81 | $54 | $135 | 1.75% |
| ANNE T. ALTIERI3 Filed as: ANNE ALTIERI | 4030 TATES CREEK RD APT 2969 LEXINGTON, KY 40517 | AFLAC | $64 | $37 | $101 | 1.31% |
| CHERYL C NELSON3 Filed as: CHERYL NELSON | 722 LANDIS RIDGE DR LOUISVILLE, KY 40245 | AFLAC | $68 | $5 | $73 | 0.95% |
| LAURA BETH KELLER3 Filed as: LAURA KELLER | 2220 EXECUTIVE DR STE 204 LEXINGTON, KY 40505 | AFLAC | $53 | $15 | $68 | 0.88% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 350 E SHORT ST NUMBER 416 LEXINGTON, KY 40507 | AFLAC | $43 | $19 | $62 | 0.80% |
| RUEANN EMERSON3 | 11551 NUCKOLS RD STE P SUITE 100 GLEN ALLEN, VA 23059 | AFLAC | $25 | — | $25 | 0.32% |
| TAMARA LYNN HELTON3 Filed as: TAMARA HELTON | 7023 US 60 SUITE C ASHLAND, KY 41102 | AFLAC | $14 | $8 | $22 | 0.28% |
| GUY WILLIAM BARRY3 Filed as: GUY BARRY | 765 MALABU DRIVE LEXINGTON, KY 40502 | AFLAC | $13 | — | $13 | 0.17% |
| KERRY KIMBROUGH3 | PO BOX 23582 LEXINGTON, KY 40523 | AFLAC | $9 | — | $9 | 0.12% |
| DAVID EMERSON3 | 4820 LAKE BROOK DR STE 125 GLEN ALLEN, VA 23060 | AFLAC | $7 | $1 | $8 | 0.10% |
| R WRIGHT3 | 9200 SHELBYVILLE ROAD STE 605 LOUISVILLE, KY 40222 | AFLAC | $7 | — | $7 | 0.09% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 7713 INDEPENDENCE PL CRESTWOOD, KY 40014 | AFLAC | $3 | $4 | $7 | 0.09% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE RD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $3 | $4 | $7 | 0.09% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $6 | — | $6 | 0.08% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $6 | — | $6 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO INC | 6100 FAIRVIEW RD SUITE 800 CHARLOTTE, NC 28210 | AFLAC | $4 | — | $4 | 0.05% |
| BROCK POWELL3 | 125 PLANTATION CENTRE DR S STE 900 MACON, GA 31210 | AFLAC | $4 | — | $4 | 0.05% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4550 MARSHALL RUN CIR APT 308 GLEN ALLEN, VA 23059 | AFLAC | $3 | — | $3 | 0.04% |
| MICHAEL FATHERREE3 | 171 COUNTY TOAD 1559 ALBA, TX 75410 | AFLAC | $2 | — | $2 | 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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts) | AFLAC | 381 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.