| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | HUMANA HEALTH PLAN, INC. | $61K | $4K | $65K | 2.01% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | THE DENTAL CONCERN, INC. | $6K | $7K | $13K | 7.45% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 6.47% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.08% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 14.02% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.00% |
| PAULA C. FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $1K | $91 | $2K | 2.61% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AFLAC | $1K | — | $1K | 2.14% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $737 | $121 | $858 | 1.44% |
| DANNY KYLE PRATER3 | P.O. BOX 281 TOLLESBORO, KY 41189 | AFLAC | $744 | — | $744 | 1.25% |
| LAURA BETH KELLER3 | 445 MADISON POINT DRIVE LEXINGTON, KY 40515 | AFLAC | $606 | $50 | $656 | 1.10% |
| HEATHER L MAMMEN3 Filed as: HEATHER L. MAMMEN | 251 BIG EDDY ROAD FRANKFORT, KY 40601 | AFLAC | $385 | — | $385 | 0.65% |
| KENNITH J. MERCADO3 | P.O. BOX 37 BETSY LANE, KY 41605 | AFLAC | $316 | — | $316 | 0.53% |
| SARAH BARDELL3 Filed as: SARAH K. BARDELL | 424 CUNNINGHAM LANE LEXINGTON, KY 40508 | AFLAC | $269 | — | $269 | 0.45% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD ROAD PIKEVILLE, KY 41501 | AFLAC | $205 | — | $205 | 0.34% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $135 | — | $135 | 0.23% |
| DAVID A EMERSON3 Filed as: DAVID A. EMERSON | 142 NE 1ST STREET OAK ISLAND, NC 28465 | AFLAC | $125 | — | $125 | 0.21% |
| DEBORAH MCGREGOR ADDESSI3 | 1710 ALEXANDRIA DRIVE SUITE 1 LEXINGTON, KY 40504 | AFLAC | $124 | — | $124 | 0.21% |
| RUEANN EMERSON3 | 2013 OLD RIDGE WAY SUITE 150, #202 LELAND, NC 28451 | AFLAC | $114 | — | $114 | 0.19% |
| DONALD B COOK JR3 Filed as: DONALD B. COOK, JR. | 113 CAMERON POINT DRIVE LAGRANGE, GA 30240 | AFLAC | $66 | — | $66 | 0.11% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $61 | — | $61 | 0.10% |
| KERRY KIMBROUGH3 | P.O. BOX 23275 LEXINGTON, KY 40523 | AFLAC | $60 | — | $60 | 0.10% |
| VARIOUS OTHER AGENTS3 | — | AFLAC | $54 | — | $54 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JACK W. BROWN | 1145 ANDOVER FOREST DRIVE LEXINGTON, KY 40509 | AFLAC | $46 | — | $46 | 0.08% |
| MICHAEL D BLEVINS3 Filed as: MICHAEL BLEVINS | 1075 ARLINGTON AVENUE MT. STERLING, KY 40353 | AFLAC | $36 | — | $36 | 0.06% |
| MICAHEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $30 | — | $30 | 0.05% |
| R AARON WRIGHT3 Filed as: R. AARON WRIGHT | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $28 | — | $28 | 0.05% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $25 | — | $25 | 0.04% |
| BROCK POWELL3 | 1763 FLEMING ISLAND, FL 32003 | AFLAC | $24 | — | $24 | 0.04% |
| RUSSELL P LASNER3 Filed as: RUSSELL LASNER | 1001 TIMMONY CIRCLE ACCOKEEK, MD 20607 | AFLAC | $19 | — | $19 | 0.03% |
| CHRISTOPHER TROUTMAN3 | 124 MALLARD DRIVE RICHMOND, KY 40475 | AFLAC | $19 | — | $19 | 0.03% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4198 COX ROAD SUITE 113 GLEN ALLEN, VA 23060 | AFLAC | $14 | — | $14 | 0.02% |
| BENEFITS INSURANCE MARKETING3 Filed as: BENEFITS INSURANCE MARKETING, INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $724 | — | $724 | 6.46% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $121 | — | $121 | 1.08% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.73% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29 | — | $29 | 0.27% |
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 | 415 | 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) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 353 | $3.2M |
| Dental | THE DENTAL CONCERN, INC. | 381 | $174K |
| Vision | THE DENTAL CONCERN, INC. | 381 | $174K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 415 | $85K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 415 | $126K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $71K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 353 | $3.2M |
| Other(3 contracts, 3 carriers) | AFLAC | 558 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.