| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOT PROVIDED3 | — | XCHANGE BENEFITS/US FIRE | $10K | — | $10K | 2.80% |
| E M FORD & CO LLC3 Filed as: E M FORD & COMPANY LLC | 600 FREDERICA ST OWENSBORO, KY 423013016 | PRINCIPAL LIFE INSURANCE COMPANY | $27K | — | $27K | 9.75% |
| E M FORD & CO LLC3 Filed as: E M FORD AND COMPANY LLC | 600 FREDERICA ST OWENSBORO, KY 42301 | PARAMOUNT DENTAL | $9K | — | $9K | 10.00% |
| JOSEPH GARETT KELLER3 | 422 FREDERICA ST OWENSBORO, KY 42301 | AFLAC | $3K | $823 | $4K | 10.93% |
| JENNIFER KELLER3 Filed as: JENNIFER L KELLER | 422 FREDERICA ST OWENSBORO, KY 42301 | AFLAC | $3K | $290 | $3K | 10.27% |
| E M FORD & CO LLC3 Filed as: E M FORD & COMPANY LLC | 600 FREDERICA ST OWENSBORO, KY 42301 | AFLAC | $3K | $30 | $3K | 8.21% |
| E M FORD & CO LLC3 Filed as: EM FORD & COMPANY | PO BOX 1677 OWENSBORO, KY 42302 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 2.87% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.54% |
| TED BENNETT3 | 1087 ARISTIDES DR BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.44% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.37% |
| BOBBIE J WHITTAKER3 | 2530 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.20% |
| BARRICK & MARTIN INC3 | DBA CENTER OF INSURANCE BOWLING GREEN, KY 42102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.10% |
| VIOLET P COOTS3 | 1410 WHALEN ROAD BOWLING GREEN, KY 42101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| JODY DAN BRYANT3 | 1429 MOUNT AYR CIR BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| E M FORD & CO LLC3 | 600 FREDERICA ST OWENSBORO, KY 42301 | ANTHEM HEALTH PLANS OF KY, INC. | $4K | — | $4K | — |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 388 | $85K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 342 | $16K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 379 | $285K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 379 | $281K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 379 | $281K |
| Stop-loss / reinsurancereinsurance | XCHANGE BENEFITS/US FIRE | 178 | $355K |
| Other | AFLAC | 57 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.