| 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. | $41K | — | $41K | 0.39% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 4500 TOWN CENTER BLVD SUITE 200 JEFFERSONVILLE, IN 47130 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | — | $2K | 0.02% |
| STEVE RAMSEY3 | P.O. BOX 4052 WEST SOMERSET, KY 42564 | AFLAC | $8K | $1K | $9K | 8.57% |
| PHILLIP GRUNDY, JR.3 | 104 1/2 N. CENTRAL AVENUE SOMSERT, KY 42501 | AFLAC | $5K | — | $5K | 4.54% |
| SUSAN M. HINKLE3 | 283 HYDE PARK LANE CORBIN, KY 40701 | AFLAC | $1K | $241 | $2K | 1.57% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 5905 E. GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $1K | — | $1K | 1.20% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $1K | — | $1K | 1.04% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP KROSS GRUNDY | 105 MAY STREET SOMERSET, KY 42501 | AFLAC | $639 | — | $639 | 0.62% |
| MARK C LAMAR3 Filed as: MARK C. LAMAR | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | AFLAC | $560 | — | $560 | 0.54% |
| DALE I DAVIS3 Filed as: DALE I. DAVIS | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $548 | — | $548 | 0.53% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS OTHERS | — | AFLAC | $346 | — | $346 | 0.34% |
| AMY JOHANNEMANN3 | P.O. BOX 68 FRENCH LICK, IN 47432 | AFLAC | $288 | — | $288 | 0.28% |
| ANDREW WAYNE LAMAR3 | 11027 WAR ADMIRAL DRIVE UNION, KY 41091 | AFLAC | $243 | — | $243 | 0.24% |
| KYLE KURTIS CLAXTON3 | 1649 GARVEY AVENUE ELSMERE, KY 41018 | AFLAC | $146 | — | $146 | 0.14% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PLACE SUITE 26 LEXINGTON, KY 40509 | AFLAC | $129 | — | $129 | 0.13% |
| JAMES R. SEALS3 | 278 CHIMNEY ROCK ROAD HAZARD, KY 41701 | AFLAC | $74 | $26 | $100 | 0.10% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $80 | — | $80 | 0.08% |
| HEATHER MAMMEN3 | 251 BIG EDDY ROAD FRANKFORT, KY 40601 | AFLAC | $77 | — | $77 | 0.07% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | AFLAC | $75 | — | $75 | 0.07% |
| AP WHOLESALE INSURANCE SERVICES LLC3 Filed as: AP WHOLESALE INSURANCE SERVICES, LL | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 6.30% |
| ASSUREDPARTNERS3 Filed as: AP BENEFITS ADVISORS DBA AGENTLINK | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 3.45% |
| STEVE RAMSEY3 | P.O. BOX 4052 WEST SOMERSET, KY 42564 | AFLAC | $2K | $703 | $3K | 11.82% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP W. GRUNDY, JR. | 104 1/2 N. CENTRAL AVENUE SOMERSET, KY 42501 | AFLAC | $2K | — | $2K | 8.57% |
| SUSAN M. HINKLE3 | 283 HYDE PARK LANE CORBIN, KY 40701 | AFLAC | $332 | $177 | $509 | 1.91% |
| BRUCE LEE FRANKS3 | 680 FENNELL DRIVE RESACA, GA 30735 | AFLAC | $70 | $70 | $140 | 0.53% |
| STEVE RAMSEY3 | P.O. BOX 4052 WEST SOMERSET, KY 42564 | AFLAC | $2K | — | $2K | 8.81% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP KROSS GRUNDY | 105 MAY STREET SOMERSET, KY 42501 | AFLAC | $1K | — | $1K | 6.56% |
| SUSAN M. HINKLE3 | 283 HYDE PARK LANE CORBIN, KY 40701 | AFLAC | $570 | — | $570 | 3.32% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS OTHERS | — | AFLAC | $197 | — | $197 | 1.15% |
| AMY KATHLEEN DILL3 | 116 ARROWHEAD TRL STANFORD, KY 40484 | AFLAC | $96 | — | $96 | 0.56% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PLACE SUITE 26 LEXINGTON, KY 40509 | AFLAC | $89 | — | $89 | 0.52% |
| JASON INGUAGGIATO3 | 141 FOX LANE JAMESTOWN, KY 42629 | AFLAC | $56 | — | $56 | 0.33% |
| STEVE RAMSEY3 | P.O. BOX 4052 WEST SOMERSET, KY 42564 | AFLAC | $777 | — | $777 | 7.77% |
| PHILLIP GRUNDY, JR.3 | 104 1/2 N. CENTRAL AVENUE SOMERSET, KY 42501 | AFLAC | $534 | — | $534 | 5.34% |
| SUSAN M. HINKLE3 | 283 HYDE PARK LANE CORBIN, KY 40701 | AFLAC | $193 | — | $193 | 1.93% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS OTHERS | — | AFLAC | $116 | — | $116 | 1.16% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP KROSS GRUNDY | 105 MAY STREET SOMERSET, KY 42501 | AFLAC | $78 | — | $78 | 0.78% |
| JAMES R. SEALS3 | 278 CHIMNEY ROCK ROAD HAZARD, KY 41701 | AFLAC | $73 | — | $73 | 0.73% |
| ALLISON HINKLE3 | 339 HYDE PARK LANE CORBIN, KY 40701 | AFLAC | $51 | — | $51 | 0.51% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 197 | $10.4M |
| Dental | DELTA DENTAL OF KENTUCKY | 260 | $47K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 197 | $10.4M |
| Life insurance(4 contracts) | AFLAC | 117 | $157K |
| Short-term disability(4 contracts) | AFLAC | 117 | $157K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 197 | $10.4M |
| Other(4 contracts) | AFLAC | 117 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.