| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INSURANCE MARKETING3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | HUMANA HEALTH PLAN, INC. | $65K | $5K | $70K | 2.05% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | THE DENTAL CONCERN, INC. | $6K | $747 | $7K | 4.90% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $4K | $9K | 8.57% |
| BENEFIT ADVISORS SERVICES3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.00% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AFLAC | $2K | — | $2K | 3.58% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $2K | $117 | $2K | 3.05% |
| PAULA C. FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $2K | $91 | $2K | 2.94% |
| DANNY KYLE PRATER3 | P.O. BOX 281 TOLLESBORO, KY 41189 | AFLAC | $829 | — | $829 | 1.26% |
| LAURA BETH KELLER3 | 445 MADISON POINT DRIVE LEXINGTON, KY 40515 | AFLAC | $689 | — | $689 | 1.05% |
| HEATHER L MAMMEN3 Filed as: HEATHER L. MAMMEN | 251 BIG EDDY ROAD FRANKFORT, KY 40601 | AFLAC | $440 | — | $440 | 0.67% |
| KENNITH J. MERCADO3 | P.O. BOX 37 BETSY LANE, KY 41605 | AFLAC | $365 | — | $365 | 0.56% |
| VARIOUS OTHER AGENTS3 | — | AFLAC | $330 | — | $330 | 0.50% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD ROAD PIKEVILLE, KY 41501 | AFLAC | $232 | — | $232 | 0.35% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $162 | — | $162 | 0.25% |
| SARAH BARDELL3 Filed as: SARAH K. BARDELL | 424 CUNNINGHAM LANE LEXINGTON, KY 40508 | AFLAC | $152 | — | $152 | 0.23% |
| DEBORAH MCGREGOR ADDESSI3 | 1710 ALEXANDRIA DRIVE SUITE 1 LEXINGTON, KY 40504 | AFLAC | $141 | — | $141 | 0.21% |
| DAVID A EMERSON3 Filed as: DAVID A. EMERSON | 142 NE 1ST STREET OAK ISLAND, NC 28465 | AFLAC | $129 | — | $129 | 0.20% |
| KERRY KIMBROUGH3 | P.O. BOX 23275 LEXINGTON, KY 40523 | AFLAC | $79 | — | $79 | 0.12% |
| DONALD B COOK JR3 Filed as: DONALD B. COOK, JR. | 113 CAMERON POINT DRIVE LAGRANGE, GA 30240 | AFLAC | $68 | — | $68 | 0.10% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $63 | — | $63 | 0.10% |
| THE DIAMOND AGENCY LLC3 Filed as: THE DIAMOND AGENCY, LLC | 2013 OLD RIDGE WAY SUITE 150 #202 LELAND, NC 28451 | AFLAC | $62 | — | $62 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JACK W. BROWN | 1145 ANDOVER FOREST DRIVE LEXINGTON, KY 40509 | AFLAC | $46 | — | $46 | 0.07% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $9K | 13.89% |
| BENEFIT ADVISORS SERVICES3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $612 | — | $612 | 0.97% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.19% |
| BENEFIT ADVISORS SERVICES3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $587 | — | $587 | 1.00% |
| BENEFITS INSURANCE MARKETING3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $472 | $462 | $934 | 9.77% |
| BENEFIT ADVISORS SERVICES3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $96 | — | $96 | 1.00% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $675 | $184 | $859 | 10.67% |
| BENEFIT ADVISORS SERVICES3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $80 | — | $80 | 0.99% |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 309 | $3.4M |
| Dental | THE DENTAL CONCERN, INC. | 339 | $135K |
| Vision | THE DENTAL CONCERN, INC. | 339 | $135K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 437 | $73K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 436 | $102K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $59K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 309 | $3.4M |
| Other(3 contracts, 3 carriers) | AFLAC | 437 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.