| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $117K | — | $117K | 7.19% |
| INSURANCE SPECIALSTS LLC3 | 1750 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $12K | — | $12K | 9.15% |
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS | 1750 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 7.47% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $62 | — | $62 | 0.18% |
| MARY B. GRIGSBY3 Filed as: MARY B GRIGSBY | 1503 HERMITAGE DR FLORENCE, AL 35630 | AFLAC | $47 | — | $47 | 0.13% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $38 | — | $38 | 0.11% |
| J & J INSURNACE INC3 | 302 WESTERBURY LANE FLORENCE, AL 35630 | AFLAC | $30 | — | $30 | 0.09% |
| FLOYD GREGORY NAPPS3 | 275 PLANTATION SPRINGS DRIVE FLORENCE, AL 35630 | AFLAC | $9 | — | $9 | 0.03% |
| RALPH H KEELER3 Filed as: RALPH S MANN | 254 SEVILLE ST SUITE A FLORENCE, AL 35630 | AFLAC | $7 | — | $7 | 0.02% |
| STEPHEN B. ALLEN3 Filed as: STEPHEN B ALLEN | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | AFLAC | $7 | — | $7 | 0.02% |
| REX L BROOKS3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $4 | — | $4 | 0.01% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 230 3 EAST GOODMAN RD SUITE 100 SOUTHAVEN, MS 38671 | AFLAC | $3 | — | $3 | 0.01% |
| JACK D LARD3 Filed as: JACK LARD | 302 WESTBURY LANE FLORENCE, AL 35630 | AFLAC | $1 | — | $1 | 0.00% |
| MARY B. GRIGSBY3 Filed as: MARY B GRIGSBY | 1503 HERMITAGE DRIVE FLORENCE, AL 35630 | AFLAC | $3K | $76 | $3K | 9.48% |
| STEPHEN B. ALLEN3 Filed as: STEPHEN B ALLEN | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | AFLAC | $3K | $124 | $3K | 8.84% |
| RALPH H KEELER3 Filed as: RALPH S MANN | 254 SEVILLE ST SUITE A FLORENCE, AL 35630 | AFLAC | $2K | $40 | $2K | 4.61% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 230 3 EAST GOODMAN ROAD SUITE 100 SOUTHAHVEN, MS 38671 | AFLAC | $872 | $40 | $912 | 2.59% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $597 | $40 | $637 | 1.81% |
| R AND L SUPPLEMETAL BENEFITS3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $78 | — | $78 | 0.22% |
| FLOYD GREGORY NAPPS3 | 275 PLANTATION SPRINGS DRIVE FLORENCE, AL 35630 | AFLAC | $67 | — | $67 | 0.19% |
| REX L BROOKS3 | PO BOX 893 FLORENCE, AL 35630 | AFLAC | $54 | — | $54 | 0.15% |
| CNL ENTERPRISES INC3 | PO BOX 2746 FLORENCE, AL 35630 | AFLAC | $42 | — | $42 | 0.12% |
| J & J INSURANCE3 Filed as: J AND J INSURANCE INC | 302 WESTBURY LANE FLORENCE, AL 35630 | AFLAC | $30 | — | $30 | 0.09% |
| JACK D LARD3 | 302 WESTBURY LANE FLORENCE, AL 35630 | AFLAC | $28 | — | $28 | 0.08% |
| CHARLES M. WEBB3 Filed as: CHARLES N LARD | PO BOX 2746 FLORENCE, AL 35630 | AFLAC | $6 | — | $6 | 0.02% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | AFLAC | $5 | — | $5 | 0.01% |
| LARRY M HADDOCK3 Filed as: LARRY NEAL CRITTENDEN | 906 CYPRESS MILL ROAD FLORENCE, AL 35630 | AFLAC | $3 | — | $3 | 0.01% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 24.38% |
| INSURANCE SPECIALIST LLC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $392 | $3K | 23.59% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $342 | $2K | 23.61% |
| RALPH H KEELER3 Filed as: RALPH S MANN | 109 JOSH COURT FLORENCE, AL 35633 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 3.26% |
| MARY B. GRIGSBY3 Filed as: MARY B GRIGSBY | 1503 HERMITAGE DRIVE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 1.90% |
| STEPHEN B. ALLEN3 Filed as: STEPHEN B ALLEN | 305 WEST DUNCAN AVENUE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 1.90% |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 1121 NORTH WOOD AVENUE FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 1.14% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.76% |
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 | 503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 476 | $1.6M |
| Dental | DELTA DENTAL OF KENTUCKY | 623 | $126K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 529 | $37K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 500 | $44K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 51 | $9K |
| Other(5 contracts, 3 carriers) | AFLAC | 500 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.