PlanOptica
Free ERISA searchPricing
Sign inStart for $4.99
  1. Welfare plans/
  2. Sponsors/
  3. INDEPENDENCE BANK

Open any plan below to see its carriers, broker commissions and premiums.

Solo shows those sections on each welfare plan. Your first month is $4.99.

Start for $4.99
Sponsor portfolioWelfare / HealthEIN 61-0189240

INDEPENDENCE BANK

2425 FREDERICA STREET · OWENSBORO, KY 42301
2706861776
Plans filed
1
Years active
2015–2025
Industry
NAICS 52
Latest filing
2025
Total premiums (latest)
$381K
No prior year
Persons covered
733
No prior year
Total participants
389
No prior year
Plans filed
1
No prior year

Plans under this sponsor

1 plan
Plan #501$381K
INDEPENDENCE BANK EMPLOYEE WELFARE BENEFIT PLAN
Mixed733 covered·4 carriers
Primary: HARTFORD LIFE AND ACCIDENT

Coverage overview

Aggregate, latest year
Benefit typePremiumShareDistribution
Other$356K38.9%
Life$248K27.0%
Long-term disability$248K27.0%
Short-term disability$40K4.4%
Vision$25K2.7%

Carrier overview

4 carriers · all plans
CarrierCoverageTotal premiumSharePlansContractsCovered
HARTFORD LIFE AND ACCIDENT
EIN 060838648
LLTDOth
$248K65.1%11389
SPRING HEALTH
EIN 812832914
Oth
$68K18.0%11733
AFLAC
EIN 822723296
STDOth
$40K10.5%1162
EYEMED VISION CARE
EIN 430949844
V
$25K6.4%11600

Broker overview

9 brokers · all plans
BrokerLocCarriersCommissionsFeesTotal compSharePlans
E M FORD & CO LLCOWENSBORO, KYEYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO., HARTFORD LIFE AND ACCIDENT$47K$0$47K84.6%1
JOSEPH GARETT KELLEROWENSBORO, KYAFLAC$3K$49$3K6.1%1
KENBANC INSURANCE INCLOUISVILLE, KYEYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO.$3K$0$3K5.9%1
JENNIFER KELLEROWENSBORO, KYAFLAC$1K$49$1K2.1%1
FRANK ANTHONY LAIRDKEVIL, KYAFLAC$307$0$3070.6%1
GLEN ESTESSIMPSONVILLE, KYAFLAC$206$0$2060.4%1
CHAD THOMPSONOWENSBORO, KYAFLAC$96$0$960.2%1
CLIFFORD FRANKLIN BROOKSWHITLEY CITY, KYAFLAC$46$0$460.1%1
BRADLEY L ELLISTIMNATH, COAFLAC$43$0$430.1%1

History & trajectory

11 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.

Policy details

Latest year, by plan
PlanOptica

Plan research for advisors and brokers. Retirement and welfare filings, peer-ranked and a decade deep, sourced to the line.

Product
  • Retirement plans
  • Welfare plans
  • Providers
  • Pricing
Data
  • Downloads hub
  • Retirement plans CSV
  • Welfare plans CSV
  • Custom analytics
Resources
  • Free ERISA search
  • Free EIN lookup
  • Documentation
  • Filter catalog
  • Glossary
Company
  • About
  • Contact
  • Privacy
  • Terms
© 2026 PlanOptica