| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $106K | $220 | $106K | 2.84% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 2.78% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 405043571 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 5.06% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $785 | — | $785 | 0.57% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $871 | $6K | 10.88% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.60% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $819 | $3K | 6.83% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $896 | — | $896 | 2.00% |
| DANNY KYLE PRATER3 | P.O. BOX 601 PAINTSVILLE, KY 41240 | AFLAC | $3K | $154 | $3K | 6.34% |
| SARAH BARDELL3 Filed as: SARAH K. BARDELL | 2554 CRUSADERS WAY LEXINGTON, KY 40509 | AFLAC | $2K | $203 | $2K | 5.63% |
| DEBORAH MCGREGOR ADDESSI3 | 1488 LEESTOWN ROAD LEXINGTON, KY 40511 | AFLAC | $580 | $41 | $621 | 1.43% |
| DAVID A EMERSON3 | 4820 LAKE BROOK DRIVE SUITE 125 GLEN ALLEN, VA 23060 | AFLAC | $538 | $54 | $592 | 1.36% |
| RUEANN M EMERSON3 | 4820 LAKE BROOK DRIVE SUITE 125 GLEN ALLEN, VA 23060 | AFLAC | $318 | $95 | $413 | 0.95% |
| DALE I DAVIS3 | 350 EAST SHORT STREET NUMBER 416 LEXINGTON, KY 40507 | AFLAC | $372 | — | $372 | 0.86% |
| KENNITH J. MERCADO3 Filed as: KENNITH J MERCADO | P.O. BOX 37 BETSY LANE, KY 41605 | AFLAC | $304 | $67 | $371 | 0.85% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $153 | $95 | $248 | 0.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JACK W BROWN | 1145 ANDOVER FOREST DRIVE LEXINGTON, KY 40509 | AFLAC | $227 | — | $227 | 0.52% |
| KERRY KIMBROUGH3 | P.O. BOX 23582 LEXINGTON, KY 40523 | AFLAC | $208 | — | $208 | 0.48% |
| DONALD B COOK JR3 Filed as: DONALD B COOK JR. | 1508 NORTH 4TH AVENUE LANETTE, AL 36863 | AFLAC | $96 | — | $96 | 0.22% |
| CHARLES HUGH MACKAY3 | 3203 ODYSSEY LAKE CIRCLE SOUTH BRUNSWICK, GA 31525 | AFLAC | $84 | — | $84 | 0.19% |
| RUEANNE M EMERSON3 Filed as: RUEANNE EMERSON | 4820 LAKE BROOK DRIVE SUITE 100 GLEN ALLEN, VA 23060 | AFLAC | $82 | — | $82 | 0.19% |
| LESLIE K KIMBROUGH3 | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $77 | — | $77 | 0.18% |
| RUSSELL P LASNER3 | 1001 TIMMONY CIRCLE ACCOKEEK, MD 20607 | AFLAC | $74 | — | $74 | 0.17% |
| PAULA GAIL NEAL3 Filed as: PAULA C CUTTER | 1795 ALYSHEBA WAY SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $54 | — | $54 | 0.12% |
| BROCK POWELL3 | 400 DABNEY DRIVE APARTMENT 1 LEXINGTON, KY 40509 | AFLAC | $49 | — | $49 | 0.11% |
| MICHAEL FATHERREE3 | 11676 MOORHEN CIRCLE FORTWORTH, TX 76244 | AFLAC | $44 | — | $44 | 0.10% |
| CHRISTOPER JAMES TROUTMAN3 | 731 SAGE COURT RICHMOND, KY 40475 | AFLAC | $38 | — | $38 | 0.09% |
| MICHAEL D BLEVINS3 | 1025 EXECUTIVE BOULEVARD SUITE 111 CHESAPEAKE, VA 23320 | AFLAC | $36 | — | $36 | 0.08% |
| JOSHUA C BURTON3 | 4550 MARSHALL RUN CIRCLE APT 308 GLEN ALLEN, VA 23059 | AFLAC | $20 | — | $20 | 0.05% |
| POWELL ENTERPRISES LLC3 | 400 DABNEY DRIVE APARTMENT 1 LEXINGTON, KY 40509 | AFLAC | $19 | — | $19 | 0.04% |
| SHANNON CARPENTER3 | 207 CITATION COURT WINCHESTER, KY 40509 | AFLAC | $6 | — | $6 | 0.01% |
| PAUL MAJEWSKI3 Filed as: PAUL M MAJEWSKI | 4488 JACKSON ROAD SUITE 1 ANN ARBOR, MI 48103 | AFLAC | $5 | — | $5 | 0.01% |
| STEPHEN A GRACIN3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $3 | — | $3 | 0.01% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $584 | $211 | $795 | 7.00% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $97 | — | $97 | 0.85% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $569 | $81 | $650 | 13.70% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $95 | — | $95 | 2.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $188 | $68 | $256 | 7.00% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31 | — | $31 | 0.85% |
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 | 445 | 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) | 447 | 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. | 874 | $3.8M |
| Dental | DELTA DENTAL OF KENTUCKY | 930 | $164K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 874 | $3.7M |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 406 | $106K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 407 | $181K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 407 | $88K |
| Other(3 contracts, 2 carriers) | AFLAC | 407 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 930 | — |
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."
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.