| 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. | $49K | — | $49K | 4.85% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 4500 TOWN CENTER BLVD SUITE 200 JEFFERSONVILLE, IN 47130 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | -$7K | — | -$7K | -0.65% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $10K | $10 | $10K | 8.66% |
| PHILLIP GRUNDY, JR.3 | 104 1/2 N. CENTRAL AVENUE SOMSERT, KY 42501 | AFLAC | $5K | — | $5K | 4.22% |
| STEVE RAMSEY3 | P.O. BOX 4052 WEST SOMERSET, KY 42564 | AFLAC | $2K | $248 | $2K | 1.98% |
| AMY JOHANNEMANN3 | P.O. BOX 68 FRENCH LICK, IN 47432 | AFLAC | $1K | — | $1K | 1.06% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 5905 E. GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $879 | — | $879 | 0.78% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD ROAD PIKEVILLE, KY 41501 | AFLAC | $862 | $7 | $869 | 0.77% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $745 | — | $745 | 0.66% |
| KATELYN COOPER3 | 1340 OLD MOUNT VERNON ROAD SOMERSET, KY 42503 | AFLAC | $576 | $158 | $734 | 0.65% |
| SUSAN M. HINKLE3 | 283 HYDE PARK LANE CORBIN, KY 40701 | AFLAC | $617 | $88 | $705 | 0.62% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS OTHERS | — | AFLAC | $399 | $14 | $413 | 0.36% |
| MARK C LAMAR3 Filed as: MARK C. LAMAR | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | AFLAC | $386 | — | $386 | 0.34% |
| DALE I DAVIS3 Filed as: DALE I. DAVIS | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $377 | — | $377 | 0.33% |
| ROY DONOVAN GAY3 | 2611 SIXTEENMILE CREEK ROAD HAZARD, KY 41701 | AFLAC | $332 | $24 | $356 | 0.31% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP KROSS GRUNDY | 105 MAY STREET SOMERSET, KY 42501 | AFLAC | $136 | $136 | $272 | 0.24% |
| ANDREW WAYNE LAMAR3 | 11027 WAR ADMIRAL DRIVE UNION, KY 41091 | AFLAC | $106 | — | $106 | 0.09% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PLACE SUITE 26 LEXINGTON, KY 40509 | AFLAC | $55 | — | $55 | 0.05% |
| AP WHOLESALE INSURANCE SERVICES LLC3 Filed as: AP WHOLESALE INSURANCE SERVICES, LL | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 10.70% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $2K | $1K | $3K | 8.05% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP W. GRUNDY, JR. | 104 1/2 N. CENTRAL AVENUE SOMERSET, KY 42501 | AFLAC | $3K | — | $3K | 8.04% |
| JORDAN DAVID MOLEN3 | 3876 W. HIGHWAY 80 SOMERSET, KY 42503 | AFLAC | $2K | — | $2K | 5.13% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP KROSS GRUNDY | 105 MAY STREET SOMERSET, KY 42501 | AFLAC | $1K | $220 | $1K | 3.23% |
| STEVE RAMSEY3 | P.O. BOX 4052 WEST SOMERSET, KY 42564 | AFLAC | $1K | — | $1K | 2.74% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD ROAD PIKEVILLE, KY 41501 | AFLAC | $525 | — | $525 | 1.35% |
| SUSAN M. HINKLE3 | 283 HYDE PARK LANE CORBIN, KY 40701 | AFLAC | $469 | — | $469 | 1.20% |
| BRUCE LEE FRANKS3 | 680 FENNELL DRIVE RESACA, GA 30735 | AFLAC | $13 | — | $13 | 0.03% |
| STEVE RAMSEY3 | P.O. BOX 4052 WEST SOMERSET, KY 42564 | AFLAC | $438 | $58 | $496 | 3.50% |
| TYLER DECKER3 | 430 ENGINEER STREET CORGIN, KY 40701 | AFLAC | $287 | — | $287 | 2.03% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS OTHERS | — | AFLAC | $286 | — | $286 | 2.02% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP KROSS GRUNDY | 105 MAY STREET SOMERSET, KY 42501 | AFLAC | $146 | $78 | $224 | 1.58% |
| SUSAN M. HINKLE3 | 283 HYDE PARK LANE CORBIN, KY 40701 | AFLAC | $102 | $27 | $129 | 0.91% |
| AMY KATHLEEN DILL3 | 116 ARROWHEAD TRL STANFORD, KY 40484 | AFLAC | $113 | — | $113 | 0.80% |
| JASON INGUAGGIATO3 | 141 FOX LANE JAMESTOWN, KY 42629 | AFLAC | $66 | — | $66 | 0.47% |
| PHILLIP GRUNDY, JR.3 | 104 1/2 N. CENTRAL AVENUE SOMERSET, KY 42501 | AFLAC | $56 | — | $56 | 0.40% |
| AMELIA S COX3 Filed as: AMELIA COX | 190 HUBBARD LANE LONDON, KY 40744 | AFLAC | $51 | — | $51 | 0.36% |
| STEVE RAMSEY3 | P.O. BOX 4052 WEST SOMERSET, KY 42564 | AFLAC | $424 | $12 | $436 | 5.91% |
| PHILLIP GRUNDY, JR.3 | 104 1/2 N. CENTRAL AVENUE SOMERSET, KY 42501 | AFLAC | $266 | — | $266 | 3.61% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS OTHERS | — | AFLAC | $127 | $12 | $139 | 1.88% |
| SUSAN M. HINKLE3 | 283 HYDE PARK LANE CORBIN, KY 40701 | AFLAC | $113 | $5 | $118 | 1.60% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 160 | $1.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 251 | $61K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 160 | $1.0M |
| Life insurance(4 contracts) | AFLAC | 96 | $174K |
| Short-term disability(4 contracts) | AFLAC | 96 | $174K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 160 | $1.0M |
| Other(4 contracts) | AFLAC | 96 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.