| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILLIP GRUNDY, JR.3 | 104 1/2 NORTH CENTRAL AVENUE SOMERSET, KY 42501 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $38K | $0 | $38K | 4.08% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $7K | $1K | $8K | 8.86% |
| PHILLIP GRUNDY, JR.3 | 104 1/2 NORTH CENTRAL AVENUE SOMERSET, KY 42501 | AFLAC | $7K | $0 | $7K | 7.57% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE TODD FUGATE & OTHER AGENTS | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $3K | $45 | $3K | 3.18% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD ROAD PIKEVILLE, KY 41501 | AFLAC | $975 | $176 | $1K | 1.29% |
| STEVE E. RAMSEY3 | 3301 32ND AVENUE SOUTH, UNIT 249 SAINT PETERSBURG, FL 33712 | AFLAC | $820 | $0 | $820 | 0.92% |
| AMY JOHANNEMANN3 | 11708 EAST STATE ROAD 56 FRENCH LICK, IN 47432 | AFLAC | $793 | $0 | $793 | 0.89% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP KROSS GRUNDY | 104 1/2 NORTH CENTRAL AVENUE SOMERSET, KY 42501 | AFLAC | $763 | $0 | $763 | 0.86% |
| PHILLIP GRUNDY, JR.3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 6.23% |
| MATTHEW MCDEVITT3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 4.71% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP W. GRUNDY, JR. | 104 1/2 NORTH CENTRAL AVENUE SOMERSET, KY 42501 | AFLAC | $4K | $0 | $4K | 7.77% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $3K | $148 | $3K | 5.62% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP KROSS GRUNDY & OTHER AGENTS | 104 1/2 NORTH CENTRAL AVENUE SOMERSET, KY 42501 | AFLAC | $1K | $227 | $2K | 2.96% |
| STEVE E. RAMSEY3 | 3301 32ND AVENUE SOUTH, UNIT 249 SAINT PETERSBURG, FL 33712 | AFLAC | $947 | $0 | $947 | 1.79% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD ROAD PIKEVILLE, KY 41501 | AFLAC | $711 | $112 | $823 | 1.55% |
| JORDAN NEWTON3 | 104 1/2 NORTH CENTRAL AVENUE SOMERSET, KY 42501 | AFLAC | $693 | $0 | $693 | 1.31% |
| JORDAN DAVID MOLEN3 | 3876 WEST HIGHWAY 80 SOMERSET, KY 42503 | AFLAC | $460 | $204 | $664 | 1.25% |
| JASON INGUAGGIATO3 Filed as: JASON F. INGUAGGIATO & OTHER AGENTS | 141 FOX LANE JAMESTOWN, KY 42629 | AFLAC | $374 | $3 | $377 | 3.43% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $246 | $12 | $258 | 2.35% |
| STEVE E. RAMSEY3 | 3301 32ND AVENUE SOUTH, UNIT 249 SAINT PETERSBURG, FL 33712 | AFLAC | $236 | $0 | $236 | 2.15% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP W. GRUNDY, JR. | 104 1/2 NORTH CENTRAL AVENUE SOMERSET, KY 42501 | AFLAC | $222 | $0 | $222 | 2.02% |
| AMY KATHLEEN DILL3 | 116 ARROWHEAD TRAIL STANFORD, KY 40484 | AFLAC | $105 | $0 | $105 | 0.96% |
| JORDAN NEWTON3 | 104 1/2 NORTH CENTRAL AVENUE SOMERSET, KY 42501 | AFLAC | $77 | $0 | $77 | 0.70% |
| LAURA BETH KELLER3 | 445 MADISON POINT DRIVE LEXINGTON, KY 40515 | AFLAC | $64 | $0 | $64 | 0.58% |
| PHILLIP W GRUNDY3 Filed as: PHILLIP W. GRUNDY, JR. | 104 1/2 NORTH CENTRAL AVENUE SOMERSET, KY 42501 | AFLAC | $145 | $0 | $145 | 5.87% |
| STEVE E. RAMSEY3 | 3301 32ND AVENUE SOUTH, UNIT 249 SAINT PETERSBURG, FL 33712 | AFLAC | $67 | $0 | $67 | 2.71% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $59 | $0 | $59 | 2.39% |
| SAMUEL PIPPEN3 | 42 GRAND CROSSING DRIVE SOMERSET, KY 42503 | AFLAC | $59 | $0 | $59 | 2.39% |
| SUSAN M. HINKLE3 | 283 HYDE PARK LANE CORBIN, KY 40701 | AFLAC | $40 | $0 | $40 | 1.62% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD ROAD PIKEVILLE, KY 41501 | AFLAC | $29 | $0 | $29 | 1.17% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA ROSEY LARSON | 844 SANDSTONE RIDGE COLD SPRINGS, KY 41076 | AFLAC | $26 | $0 | $26 | 1.05% |
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. | 225 | $929K |
| Dental | DELTA DENTAL OF KENTUCKY | 263 | $56K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 225 | $929K |
| Life insurance(4 contracts) | AFLAC | 63 | $155K |
| Short-term disability(4 contracts) | AFLAC | 63 | $155K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 225 | $929K |
| Other(4 contracts) | AFLAC | 63 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.