| 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 | $96K | — | $96K | 2.02% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 2.43% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 405043571 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $4K | $8K | 6.52% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $734 | — | $734 | 0.57% |
| DANNY KYLE PRATER3 | P.O. BOX 281 TOLLESBORO, KY 41189 | AFLAC | $2K | $418 | $2K | 3.82% |
| KENNETH J. MERCADO3 Filed as: KENNETH J MERCADO | P.O. BOX 37 BETSY LAYNE, KY 41605 | AFLAC | $1K | $386 | $2K | 2.68% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AFLAC | $1K | — | $1K | 1.78% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD ROAD PIKEVILLE, KY 41501 | AFLAC | $728 | $161 | $889 | 1.57% |
| PAULA C. FRIZZELL3 Filed as: PAULA C FRIZZELL | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $643 | — | $643 | 1.14% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $560 | — | $560 | 0.99% |
| DALE I DAVIS3 | 1856 TRAVELLER ROAD LEXINGTON, KY 40504 | AFLAC | $294 | $161 | $455 | 0.81% |
| SARAH BARDELL3 Filed as: SARAH K BARDELL | 424 CUNNINGHAM LANE LEXINGTON, KY 40508 | AFLAC | $338 | — | $338 | 0.60% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $253 | — | $253 | 0.45% |
| DEBRORAH MCGREGOR ADDESSI3 | 1488 LEESTOWN ROAD LEXINGTON, KY 40511 | AFLAC | $205 | — | $205 | 0.36% |
| DAVID A EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $193 | — | $193 | 0.34% |
| DALE I DAVIS3 | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $181 | — | $181 | 0.32% |
| HEATHER L MAMMEN3 | 251 BIG EDDY ROAD FRANKFORT, KY 40601 | AFLAC | $150 | — | $150 | 0.27% |
| KERRY KIMBROUGH3 | P.O. BOX 23582 LEXINGTON, KY 40523 | AFLAC | $135 | — | $135 | 0.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JACK W BROWN | 1145 ANDOVER FOREST DRIVE LEXINGTON, KY 40509 | AFLAC | $110 | — | $110 | 0.19% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PLACE SUITE 26 LEXINGTON, KY 40509 | AFLAC | $92 | — | $92 | 0.16% |
| THE DIAMOND AGENCY LLC3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $78 | — | $78 | 0.14% |
| DONALD B COOK JR3 | 113 CAMERON POINTE DRIVE LAGRANGE, GA 30240 | AFLAC | $68 | — | $68 | 0.12% |
| MICHAEL D BLEVINS3 | 1075 ARILINGTON AVENUE MOUNT STERLING, KY 40353 | AFLAC | $63 | — | $63 | 0.11% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $48 | — | $48 | 0.09% |
| RUSSELL P LASNER3 | 1001 TIMMONY CIRCLE ACCOKEEK, MD 20607 | AFLAC | $42 | — | $42 | 0.07% |
| BROCK POWELL3 | 3944 MURPHY CANYON ROAD SUITE C203 SAN DIEGO, CA 92123 | AFLAC | $39 | — | $39 | 0.07% |
| CHARLES HUGH MACKAY3 | 18250 142ND AVENUE NE WOODINVILLE, WA 98072 | AFLAC | $39 | — | $39 | 0.07% |
| LESLIE K KIMBROUGH3 | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $39 | — | $39 | 0.07% |
| RUEANN M EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $39 | — | $39 | 0.07% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $35 | — | $35 | 0.06% |
| CHRISTOPHER TROUTMAN3 Filed as: CHRISTOPHER JAMES TROUTMAN | 124 MALLARD DRIVE RICHMOND, KY 40475 | AFLAC | $35 | — | $35 | 0.06% |
| MICHAEL FATHERREE3 | 171 COUNTRY ROAD 1559 ALBA, TX 75410 | AFLAC | $34 | — | $34 | 0.06% |
| LAURA BETH KELLER3 | 2220 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KY 40505 | AFLAC | $15 | — | $15 | 0.03% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $15 | — | $15 | 0.03% |
| JOSHUA C BURTON3 | 2819 N PARHAM ROAD SUITE 240 RICHMOND, VA 23294 | AFLAC | $14 | — | $14 | 0.02% |
| BRADLEY L ELLIS3 | 1500 BEVILLE ROAD SUITE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $13 | — | $13 | 0.02% |
| KRISTIANNA J FLY3 | P.O. BOX 206 NORTH MIDDELTON, KY 40357 | AFLAC | $12 | — | $12 | 0.02% |
| JEANNETTE E FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $7 | — | $7 | 0.01% |
| PAUL MAJEWSKI3 Filed as: PAUL M MAJEWSKI | 483 LITTLE LAKE DRIVE SUITE 100 ANN ARBOR, MI 48103 | AFLAC | $6 | — | $6 | 0.01% |
| SHANNON CARPENTER3 | 135 EDGEWOOD ROAD MIDDLESBORO, KY 40965 | AFLAC | $5 | — | $5 | 0.01% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK ROAD LONDON, KY 40741 | AFLAC | $5 | — | $5 | 0.01% |
| JOSHUA C BURTON3 | 12140 MANOR WALK DRIVE GLEN ALLEN, VA 23059 | AFLAC | $5 | — | $5 | 0.01% |
| STEPHEN A GRACIN3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $3 | — | $3 | 0.01% |
| GARY DWAYN CHAMBERS3 | 673 PROVIDENCE ROAD LEXINGTON, KY 40502 | 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 | $3K | $1K | $4K | 7.59% |
| 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 | 11.53% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.59% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $603 | $306 | $909 | 7.75% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $101 | — | $101 | 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 | $468 | $95 | $563 | 14.44% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $78 | — | $78 | 2.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY NORTH AMERICA | $151 | $98 | $249 | 8.49% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY NORTH AMERICA | $25 | — | $25 | 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 | 514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 907 | $4.8M |
| Dental | DELTA DENTAL OF KENTUCKY | 946 | $200K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 907 | $4.8M |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 513 | $121K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 514 | $185K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 171 | $112K |
| Other(3 contracts, 2 carriers) | AFLAC | 513 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 946 | — |
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.