| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 4040 FINN WAY STE 360 LEXINGTON, KY 405178384 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 1.11% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| FLIMP COMMUNICATIONS3 | 2 HAYDEN ROWE ST HOPKINTON, MA 01748 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 2.10% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 10.92% |
| FLIMP COMMUNICATIONS3 | 2 HAYDEN ROWE ST HOPKINTON, MA 01748 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 2.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 4000 SMITH RD STE 400 CINCINNATI, OH 45209 | AFLAC | $459 | — | $459 | 2.69% |
| DAVID HENDERSON3 Filed as: DAVID M HENDERSON | 2351 CRESCENT HILL DR OWENSBORO, KY 42303 | AFLAC | $142 | — | $142 | 0.83% |
| CHERYL WILLIAMS DAWSON3 | PO BOX 36128 INDIANAPOLIS, IN 46236 | AFLAC | $108 | — | $108 | 0.63% |
| AMBER NICOLE RICHARDSON3 | 1241 LYNDON LN RADCLIFF, KY 40160 | AFLAC | $101 | — | $101 | 0.59% |
| JEFFREY C EDLER3 | 10454B BLUEGRASS PKWY LOUISVILLE, KY 40299 | AFLAC | $89 | — | $89 | 0.52% |
| SHAWN M COLIN3 | 4081 PAOLI PIKE FLOYDS KNOBS, IN 46240 | AFLAC | $87 | — | $87 | 0.51% |
| REBECCA ANN DOEPKE3 | 4019 DEER LAKE CIR PROSPECT, KY 40059 | AFLAC | $83 | — | $83 | 0.49% |
| EMILY DUNCAN CHAMBERS3 | 673 PROVIDENCE RD LEXINGTON, KY 40502 | AFLAC | $79 | — | $79 | 0.46% |
| ALAN EDRINGTON3 | 9302 HI VIEW LN LOUISVILLE, KY 40272 | AFLAC | $65 | — | $65 | 0.38% |
| FOUNDATION RISK PARTNERS CORP3 | 38 FOUNDATION SQUARE PLZ CINCINNATI, OH 45202 | AFLAC | $55 | — | $55 | 0.32% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DR NEWBURGH, IN 47630 | AFLAC | $51 | — | $51 | 0.30% |
| LAURA BETH KELLER3 | 445 MADISON POINT DR LEXINGTON, KY 40515 | AFLAC | $49 | — | $49 | 0.29% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | AFLAC | $46 | — | $46 | 0.27% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 9400 PRIORITY WAY WEST DR INDIANAPOLIS, IN 46240 | AFLAC | $43 | — | $43 | 0.25% |
| MATTHEW D SMITH3 | 6655 MICHAEL DR CINCINNATI, OH 45243 | AFLAC | $27 | — | $27 | 0.16% |
| LARRY R REDDIN3 | 263 N 1200 W PARKER CITY, IN 47368 | AFLAC | $26 | — | $26 | 0.15% |
| CHRIS A GEHLHAUSEN3 | 873 3RD AVE JASPER, IN 47546 | AFLAC | $25 | — | $25 | 0.15% |
| CANDACE Y HILDEBRAN3 | 864 HEATHERWOOD DR GREENWOOD, IN 46143 | AFLAC | $24 | — | $24 | 0.14% |
| JOSHUA C BURTON3 | 4198 COX RD STE 113 GLEN ALLEN, VA 23060 | AFLAC | $24 | — | $24 | 0.14% |
| ROSANNE GARNER3 | 203 N CEDAR ST BONE GAP, IL 62815 | AFLAC | $24 | — | $24 | 0.14% |
| MARK GALVIN LLC3 Filed as: MARK ALLEN GALVIN | 130 WATERSIDE DR ELIZABETHTOWN, KY 42701 | AFLAC | $24 | — | $24 | 0.14% |
| RUEANN EMERSON3 | 142 NE 1ST ST OAK ISLAND, NC 28465 | AFLAC | $14 | — | $14 | 0.08% |
| KATTE L HANNER3 | 6378 DEERSTAND RD GREENWOOD, IN 46143 | AFLAC | $14 | — | $14 | 0.08% |
| BRIAN GRAHAM INC3 Filed as: BRIAN M GRAHAM | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | AFLAC | $14 | — | $14 | 0.08% |
| MICHAEL DUANE ARNOLD3 | 2147 BUTTONBUSH DR PLAINFIELD, IN 46168 | AFLAC | $13 | — | $13 | 0.08% |
| CAROLYN J HINKLE3 | 1372 COUNTY ROAD 2200 E FAIRFIELD, IL 62837 | AFLAC | $13 | — | $13 | 0.08% |
| LAURA J NEWMAN-SUTER3 | 414 CHINOE RD LEXINGTON, KY 40502 | AFLAC | $13 | — | $13 | 0.08% |
| JOHN TYLER & ASSOCIATES3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $12 | — | $12 | 0.07% |
| SETH O AKERS3 | 487 NORMANDY STATION RD TAYLORSVILLE, KY 40071 | AFLAC | $12 | — | $12 | 0.07% |
| JAMES A RIED3 | 150 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $11 | — | $11 | 0.06% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $8 | — | $8 | 0.05% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $8 | — | $8 | 0.05% |
| MARK A WOJDA3 | 16258 DOGWOOD LN PLYMOUTH, IA 46563 | AFLAC | $8 | — | $8 | 0.05% |
| LIB WILSON & ASSOCIATES, INC.3 Filed as: LIB WILSON & ASSOCIATES, INC | 214 EDGEWOOD DR NICHOLASVILLE, KY 40356 | AFLAC | $8 | — | $8 | 0.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 910610 LEXINGTON, KY 40591 | AFLAC | $7 | — | $7 | 0.04% |
| TRAVIS COCKBURN3 Filed as: TRAVIS J COCKBURN | PO BOX 335 JOHNSTON CITY, IL 62951 | AFLAC | $7 | — | $7 | 0.04% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE CT PLAINFIELD, IA 46168 | AFLAC | $5 | — | $5 | 0.03% |
| RICK MCPHERSON3 | 6352 MARBURN DR INDIANAPOLIS, IN 46227 | AFLAC | $5 | — | $5 | 0.03% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DR JASPER, IN 47546 | AFLAC | $5 | — | $5 | 0.03% |
| DAYTON LLC3 | 5445 DTC PKWY STE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $5 | — | $5 | 0.03% |
| LLOYD W HUGHES3 | 3775 N STATE ROAD 52 LEBANON, IN 46052 | AFLAC | $5 | — | $5 | 0.03% |
| MARK E MYERS3 | 1745 N 75 E WASHINGTON, IN 47501 | AFLAC | $5 | — | $5 | 0.03% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $5 | — | $5 | 0.03% |
| BRIAN S MARTIN3 | 3280 BLAZER PKWY STE 100 LEXINGTON, KY 40509 | AFLAC | $5 | — | $5 | 0.03% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $5 | — | $5 | 0.03% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $5 | — | $5 | 0.03% |
| JENNIFER L MITCHEN3 | 8344 THACKERY CT INDIANAPOLIS, IN 46256 | AFLAC | $4 | — | $4 | 0.02% |
| MATTHEW A COOK3 | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $3 | — | $3 | 0.02% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $3 | — | $3 | 0.02% |
| MARK GALVIN LLC3 Filed as: MARK A GALVIN | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $3 | — | $3 | 0.02% |
| DAVID A EMERSON3 | 142 NE 1ST ST OAK ISLAND, NC 28465 | AFLAC | $2 | — | $2 | 0.01% |
| GARY W WARE JR3 | 3103 MEADOWBROOK DR CHAMPAIGN, IL 61822 | AFLAC | $2 | — | $2 | 0.01% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $2 | — | $2 | 0.01% |
| ALLISON JONES LUCKETT3 | 10610 WATTERSON CENTER CT STE 102 LOUISVILLE, KY 40299 | AFLAC | $2 | — | $2 | 0.01% |
| BROCK POWELL3 | 3654 OGLEBAY DR GREEN COVE SPRINGS, FL 32043 | AFLAC | $2 | — | $2 | 0.01% |
| JENNIFER L MITCHEN3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES M FLETCHER3 | 7325 CLUBHOUSE DR FORT WAYNE, IN 46835 | AFLAC | $1 | — | $1 | 0.01% |
| BRIAN R KIMMEL3 | 309 BRAESWICK DR LAKE ST LOUIS, MO 63367 | AFLAC | $1 | — | $1 | 0.01% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $1 | — | $1 | 0.01% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD RD PIKEVILLE, KY 41501 | AFLAC | -$23 | $6 | -$17 | -0.10% |
| SUSAN M. HINKLE3 Filed as: SUSAN M HINKLE | 283 HYDE PARK LN CORBIN, KY 40701 | AFLAC | -$30 | $6 | -$24 | -0.14% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK RD LONDON, KY 40741 | AFLAC | -$213 | $26 | -$187 | -1.10% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $2.4M |
| Dental | DELTA DENTAL OF KENTUCKY | 305 | $103K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $2.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 252 | $171K |
| Long-term disability | STANDARD INSURANCE COMPANY | 252 | $197K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.