| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILLIP GRUNDY, JR.3 | 104 1/2 N. CENTRAL AVENUE SOMERSET, KY 42501 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $29K | — | $29K | 2.94% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 4500 TOWN CENTER BLVD SUITE 200 JEFFERSONVILLE, IN 47130 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $10K | $443 | $10K | 1.00% |
| STEVE RAMSEY3 | P.O. BOX 4052 WEST SOMERSET, KY 42564 | AFLAC | $15K | $47 | $15K | 14.32% |
| PHILLIP GRUNDY, JR.3 | 104 1/2 N. CENTRAL AVENUE SOMSERT, KY 42501 | AFLAC | $5K | $152 | $5K | 4.80% |
| SUSAN M. HINKLE3 | 283 HYDE PARK LANE CORBIN, KY 40701 | AFLAC | $2K | — | $2K | 2.42% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 5905 E. GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $2K | — | $2K | 1.54% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $1K | $105 | $1K | 1.41% |
| MARK C LAMAR3 Filed as: MARK C. LAMAR | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | AFLAC | $627 | — | $627 | 0.61% |
| DALE I DAVIS3 Filed as: DALE I. DAVIS | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $552 | $25 | $577 | 0.56% |
| AMY JOHANNEMANN3 | P.O. BOX 68 FRENCH LICK, IN 47432 | AFLAC | $342 | — | $342 | 0.33% |
| ANDREW WAYNE LAMAR3 | 11027 WAR ADMIRAL DRIVE UNION, KY 41091 | AFLAC | $318 | — | $318 | 0.31% |
| JAMES R. SEALS3 | 278 CHIMNEY ROCK ROAD HAZARD, KY 41701 | AFLAC | $298 | — | $298 | 0.29% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PLACE SUITE 26 LEXINGTON, KY 40509 | AFLAC | $160 | $49 | $209 | 0.20% |
| HEATHER L MAMMEN3 Filed as: HEATHER L. MAMMEN | 251 BIG EDDY ROAD FRANKFORT, KY 40601 | AFLAC | $117 | $58 | $175 | 0.17% |
| JESSICA SWICK3 | 444 JIM FORSYTHE LANE HARRODSBURG, KY 40330 | AFLAC | $61 | $72 | $133 | 0.13% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | AFLAC | $106 | $22 | $128 | 0.13% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS OTHERS | — | AFLAC | $110 | $18 | $128 | 0.13% |
| KYLE KURTIS CLAXTON3 | 1649 GARVEY AVENUE ELSMERE, KY 41018 | AFLAC | $86 | — | $86 | 0.08% |
| ANTHONY C HARTSFIELD3 Filed as: ANTHONY C. HARTSFIELD | 469 ALDERBROOK WAY LEXINGTON, KY 40515 | AFLAC | $38 | $21 | $59 | 0.06% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $52 | — | $52 | 0.05% |
| ELLEN J BUNCH3 Filed as: ELLEN J. BUNCH | P.O. BOX 3275 LONDON, KY 40743 | AFLAC | $50 | — | $50 | 0.05% |
| MARY CARMELA BERARDI3 | 3617 BEATEN PATH LEXINGTON, KY 40509 | AFLAC | $21 | $26 | $47 | 0.05% |
| KERRY KIMBROUGH3 | P.O. BOX 23582 LEXINGTON, KY 40523 | AFLAC | $44 | — | $44 | 0.04% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE K. KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $22 | — | $22 | 0.02% |
| STEVE RAMSEY3 | P.O. BOX 4052 WEST SOMERSET, KY 42564 | AFLAC | $6K | — | $6K | 23.46% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP W. GRUNDY, JR. | 104 1/2 N. CENTRAL AVENUE SOMERSET, KY 42501 | AFLAC | $6K | $169 | $6K | 23.15% |
| SUSAN M. HINKLE3 | 283 HYDE PARK LANE CORBIN, KY 40701 | AFLAC | $698 | — | $698 | 2.55% |
| BRUCE LEE FRANKS3 | 680 FENNELL DRIVE RESACA, GA 30735 | AFLAC | $352 | — | $352 | 1.29% |
| STEVE RAMSEY3 | P.O. BOX 4052 WEST SOMERSET, KY 42564 | AFLAC | $3K | — | $3K | 19.92% |
| PHILLIP GRUNDY, JR.3 | 104 1/2 N. CENTRAL AVENUE SOMERSET, KY 42501 | AFLAC | $1K | $34 | $1K | 7.78% |
| SUSAN M. HINKLE3 | 283 HYDE PARK LANE CORBIN, KY 40701 | AFLAC | $632 | — | $632 | 3.89% |
| JAMES R. SEALS3 | 278 CHIMNEY ROCK ROAD HAZARD, KY 41701 | AFLAC | $574 | — | $574 | 3.53% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS OTHERS | — | AFLAC | $176 | — | $176 | 1.08% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 5905 E. GALBRAITH ROAD CINCINNATI, OH 45236 | AFLAC | $103 | — | $103 | 0.63% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $72 | — | $72 | 0.44% |
| STEVE RAMSEY3 | P.O. BOX 4052 WEST SOMERSET, KY 42564 | AFLAC | $422 | — | $422 | 3.44% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS OTHERS | — | AFLAC | $237 | — | $237 | 1.93% |
| AMY KATHLEEN DILL3 | 116 ARROWHEAD TRL STANFORD, KY 40484 | AFLAC | $105 | — | $105 | 0.85% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PLACE SUITE 26 LEXINGTON, KY 40509 | AFLAC | $97 | — | $97 | 0.79% |
| JASON INGUAGGIATO3 Filed as: JASON F. INGUAGGIATO | 141 FOX LANE JAMESTOWN, KY 42629 | AFLAC | $61 | — | $61 | 0.50% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 162 | $1.0M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 162 | $1.0M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 162 | $1.0M |
| Life insurance(4 contracts) | AFLAC | 62 | $158K |
| Short-term disability(4 contracts) | AFLAC | 62 | $158K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 162 | $1.0M |
| Other(4 contracts) | AFLAC | 62 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.