| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $102K | $400 | $102K | 1.89% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 2.20% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 405043571 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $4K | $9K | 5.12% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 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 | $3K | $1K | $4K | 6.34% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 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 | $5K | $1K | $6K | 10.26% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.58% |
| DANNY KYLE PRATER3 | P.O. BOX 281 TOLLESBORO, KY 41189 | AFLAC | $6K | — | $6K | 11.14% |
| KENNETH J. MERCADO3 Filed as: KENNETH J MERCADO | P.O. BOX 37 BETSY LAYNE, KY 41605 | AFLAC | $5K | — | $5K | 8.05% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD ROAD PIKEVILLE, KY 41501 | AFLAC | $2K | $5 | $2K | 3.98% |
| DALE I DAVIS3 | 1856 TRAVELLER ROAD LEXINGTON, KY 40504 | AFLAC | $2K | — | $2K | 3.10% |
| SARAH BARDELL3 Filed as: SARAH K BARDELL | 424 CUNNINGHAM LANE LEXINGTON, KY 40508 | AFLAC | $379 | — | $379 | 0.67% |
| DEBORAH MCGREGOR ADDESSI3 | 1488 LEESTOWN ROAD LEXINGTON, KY 40511 | AFLAC | $236 | — | $236 | 0.42% |
| KERRY KIMBROUGH3 | P.O. BOX 23582 LEXINGTON, KY 40523 | AFLAC | $125 | — | $125 | 0.22% |
| RUEANNE M EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $123 | — | $123 | 0.22% |
| DAVID A EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $122 | — | $122 | 0.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JACK W BROWN | 1145 ANDOVER FOREST DRIVE LEXINGTON, KY 40509 | AFLAC | $97 | — | $97 | 0.17% |
| DAVID A EMERSON3 | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AFLAC | $80 | — | $80 | 0.14% |
| MICHAEL D BLEVINS3 | 1075 ARLINGTON AVENUE MOUNT STERLING, KY 40353 | AFLAC | $60 | — | $60 | 0.11% |
| DONALD B COOK JR3 | 1508 NORTH 4TH AVENUE LANETT, AL 36863 | AFLAC | $60 | — | $60 | 0.11% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $43 | — | $43 | 0.08% |
| LESLIE K KIMBROUGH3 | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $39 | — | $39 | 0.07% |
| PAULA C. FRIZZELL3 Filed as: PAULA C FRIZZELL | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $37 | — | $37 | 0.07% |
| RUSSELL P LASNER3 | 1001 TIMMONY CIRCLE ACCOKEEK, MD 20607 | AFLAC | $37 | — | $37 | 0.07% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUSIVILLE, KY 40222 | AFLAC | $37 | — | $37 | 0.07% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $29 | — | $29 | 0.05% |
| CHRISTOPHER TROUTMAN3 Filed as: CHRISTOPHER JAMES TROUTMAN | 124 MALLARD DRIVE RICHMOND, KY 40475 | AFLAC | $29 | — | $29 | 0.05% |
| CHARLES HUGH MACKAY3 | 18250 142ND AVENUE NE WOODINVILLE, WA 98072 | AFLAC | $26 | — | $26 | 0.05% |
| LINDA J KUJAWA3 | 2414 NORTH STREET GRANVILLE, OH 43023 | AFLAC | $20 | — | $20 | 0.04% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $16 | — | $16 | 0.03% |
| JOSHUA C BURTON3 | 12140 MANOR WALK DRIVE GLEN ALLEN, VA 23059 | AFLAC | $15 | — | $15 | 0.03% |
| BRADLEY L ELLIS3 | 1500 BEVILLE ROAD SUITE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $15 | — | $15 | 0.03% |
| POWELL ENTERPRISES LLC3 | 107 SOUTHERN BOULEVARD SUITE 103A SAVANNAH, GA 31405 | AFLAC | $14 | — | $14 | 0.02% |
| RONALD JAMES STEIN3 | 14966 ROBINS ROAD JOHNSTOWN, OH 43031 | AFLAC | $11 | — | $11 | 0.02% |
| KRISTIANNA J FLY3 | P.O. BOX 206 NORTH MIDDLETON, KY 40357 | AFLAC | $10 | — | $10 | 0.02% |
| BROCK POWELL3 | 107 SOUTHERN BOULEVARD SUITE 103A SAVANNAH, GA 31405 | AFLAC | $10 | — | $10 | 0.02% |
| BROCK POWELL3 | 3944 MURPHY CANYON ROAD SUITE C203 SAN DIEGO, CA 92123 | AFLAC | $9 | — | $9 | 0.02% |
| EMMETT K LEE3 | 9 SCHUBERT COURT IRVINE, CA 92617 | AFLAC | $8 | — | $8 | 0.01% |
| JEANNETTE FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $6 | — | $6 | 0.01% |
| CHARLES HUGH MACKAY3 | 3203 ODYSSEY LAKE CIRCLE SOUTH BRUNSWICK, GA 31525 | AFLAC | $6 | — | $6 | 0.01% |
| JAMES A BURRESS3 | 8755 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $5 | — | $5 | 0.01% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK ROAD LONDON, KY 40741 | AFLAC | $4 | — | $4 | 0.01% |
| SHANNON CARPENTER3 | 135 EDGEWOOD ROAD MIDDLESBORO, KY 40965 | AFLAC | $4 | — | $4 | 0.01% |
| PAUL MAJEWSKI3 Filed as: PAUL M MAJEWSKI | 483 LITTLE LAKE DRIVE SUITE 100 ANN ARBOR, MI 48103 | AFLAC | $4 | — | $4 | 0.01% |
| STEPHEN A GRACIN3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $2 | — | $2 | 0.00% |
| GARY DWAYN CHAMBERS3 | 673 PROVIDENCE ROAD LEXINGTON, KY 40502 | AFLAC | $1 | — | $1 | 0.00% |
| HARE AND ASSOCIATES LLC3 | 6324 TARTON FIELDS LANE MASON, OH 45040 | AFLAC | $1 | — | $1 | 0.00% |
| DARREN L BRUNO3 | 1224 WESTWOOD DRIVE LEWIS CENTER, OH 43035 | AFLAC | $1 | — | $1 | 0.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $657 | $275 | $932 | 6.62% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $121 | — | $121 | 0.86% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $213 | $89 | $302 | 6.63% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39 | — | $39 | 0.86% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $480 | $95 | $575 | 13.05% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $88 | — | $88 | 2.00% |
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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,022 | $5.4M |
| Dental | DELTA DENTAL OF KENTUCKY | 1,055 | $222K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,022 | $5.4M |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 532 | $128K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 532 | $241K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 532 | $122K |
| Other(3 contracts, 2 carriers) | AFLAC | 532 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,055 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.