| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 Filed as: HAUSER ART INSURANCE INC | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN, INC. | $24K | — | $24K | 2.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERV INC-LOUISVILLE | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $8K | $2K | $10K | 0.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERV INC-LOUISVILLE | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $2K | — | $2K | 0.20% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $342 | $3K | $3K | 4.45% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD #9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.50% |
| BICKLEY INSURANCE3 | 237 WOODLAND PASS MT WASHINGTON, KY 40047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 18.28% |
| MATTHEW HUDSON3 | 11501 WILLOW STREAM COURT APT 301 LOUISVILLE, KY 40299 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| DAVID WATSON3 | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $953 | — | $953 | 1.54% |
| AMY JOHANNEMANN3 Filed as: AMY S JOHANNEMANN | PO BOX 22806 LOUISVILLE, KY 40252 | CONTINENTAL AMERICAN INSURANCE COMPANY | $747 | — | $747 | 1.21% |
| THOMAS W BURNETT3 | 1928 YALE DRIVE LOUISVILLE, KY 40205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $690 | — | $690 | 1.12% |
| CHARLES L GRAY3 | 105 DAVENTRY LANE SUITE 100 LOUISVILLE, KY 40223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $452 | — | $452 | 0.73% |
| R AARON WRIGHT3 Filed as: AARON R WRIGHT | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $225 | — | $225 | 0.36% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD FRANK BROOKS | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.13% |
| DENNIS S HARTIN3 | 14506 MIRASOL MANOR COURT TAMPA, FL 33626 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.11% |
| R AARON WRIGHT3 Filed as: AARON R WRIGHT | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.03% |
| BRADLEY L ELLIS3 | 1500 BEVILLE ROAD SUITE 606 #327 DAYTONA BEACH, FL 32114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| ANGELA K DOWDY3 | 2141 ROHRER ROAD MAYFIELD, KY 42066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.19% |
| MCGRIFF INSURANCE SERVICES INC3 | ATTN EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $1K | $774 | $2K | 4.87% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.64% |
| MCGRIFF INSURANCE SERVICES INC3 | ATTN EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.96% |
| JOSEPH BICKLEY3 | PO BOX 414 MT WASHINGTON, KY 40047 | AFLAC | $559 | — | $559 | 5.42% |
| THERESA J SMITH3 | 3521 HURSTBOURNE RIDGE BOULEVARD LOUISVILLE, KY 40299 | AFLAC | $132 | — | $132 | 1.28% |
| JONATHAN C DAVIDSON3 | 9803 WEST STATE ROAD 58 NORMAN, IN 47264 | AFLAC | $81 | — | $81 | 0.79% |
| JOSEPH M GOSSMAN JR3 | 17836 BIRCH BEND CIRCLE FISHERVILLE, KY 40023 | AFLAC | $50 | — | $50 | 0.48% |
| EMPLOYEE BENEFITS & INS SOLUTIONS3 | 6036 BEAR CREEK COURT COLUMBUS, GA 31909 | AFLAC | $36 | — | $36 | 0.35% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $35 | — | $35 | 0.34% |
| RICK HALLORAN3 | PO BOX 3058 WEST SOMERSET, KS 42564 | AFLAC | $27 | — | $27 | 0.26% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $24 | — | $24 | 0.23% |
| BICKLEY INSURANCE3 Filed as: BICKLEY INSURANCE INC | PO BOX 414 MT WASHINGTON, KY 40047 | AFLAC | $17 | — | $17 | 0.16% |
| ROGER L BENNETT3 | PO BOX 1268 VERSAILLES, KY 40383 | AFLAC | $10 | — | $10 | 0.10% |
| ROGER TOOHEY3 | PO BOX 1265 SOMERSET, KY 42502 | AFLAC | $9 | — | $9 | 0.09% |
| GEMINI INSURANCE INC3 | 6036 BEAR CREEK COURT COLUMBUS, GA 31909 | AFLAC | $7 | — | $7 | 0.07% |
| LIB WILSON & ASSOCIATES, INC.3 Filed as: LIB WILSON & ASSOCIATES, INC | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $6 | — | $6 | 0.06% |
| RONNIE LEE JANES JR3 | 10300 LINN STATION ROAD SUITE 225 LOUISVILLE, KY 40223 | AFLAC | $5 | — | $5 | 0.05% |
| BRANDY ANN HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $5 | — | $5 | 0.05% |
| LYDIA C CLARK3 | 11882 PINE MEADOW CIRCLE FISHERS, IN 46037 | AFLAC | $5 | — | $5 | 0.05% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $4 | — | $4 | 0.04% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DRIVE SUITE 4 NEW LENOX, IL 60451 | AFLAC | $4 | — | $4 | 0.04% |
| LEEZA DANIELE WRIGHT3 | 10300 LINN STATION ROAD SUITE 100 LOUISVILLE, KY 40223 | AFLAC | $3 | — | $3 | 0.03% |
| TANDRA FAYE FREED3 | 719 LAWMAN AVENUE BRIDGEPORT, WV 26330 | AFLAC | $3 | — | $3 | 0.03% |
| MICHAEL L MCDONALD3 | 329 SOUTH EUCLID AVENUE OAK PARK, IL 60302 | AFLAC | $3 | — | $3 | 0.03% |
| THOMAS W BOSTON3 Filed as: THOMAS WORKMAN | PO BOX 17761 COVINGTON, KY 41017 | AFLAC | $2 | — | $2 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $2 | — | $2 | 0.02% |
| DAVID A EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $1 | — | $1 | 0.01% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 130 | $1.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $69K |
| Life insurance | STANDARD INSURANCE COMPANY | 199 | $30K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 161 | $72K |
| Long-term disability | STANDARD INSURANCE COMPANY | 199 | $43K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 199 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.