| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | P. O. BOX 916010 LEXINGTON, KY 405910610 | STANDARD INSURANCE COMPANY | $43K | — | $43K | 23.55% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | PO BOX 168 WINSTON SALEM, NC 27102 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.96% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $12K | 8.62% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 276124954 | METROPOLITAN LIFE INSURANCE COMPANY | — | $47 | $47 | 0.04% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 4.99% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC. | 4000 SMITH ROAD SUITE 400 CINCINNATI, OH 45209 | AFLAC | $1K | — | $1K | 5.59% |
| DAVID HENDERSON3 | 2351 CRESCENT HILL DRIVE OWENSBORO, KY 42303 | AFLAC | $362 | — | $362 | 1.60% |
| EMILY DUNCAN CHAMBERS3 Filed as: EMILY CHAMBERS | 673 PROVIDENCE ROAD LEXINGTON, KY 40502 | AFLAC | $168 | — | $168 | 0.74% |
| ALAN EDRINGTON3 | 9302 HI VIEW LANE LOUISVILLE, KY 40272 | AFLAC | $102 | — | $102 | 0.45% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA LARSON | 4101 TATES CREEK CENTRE DRIVE SUITE 150 LEXINGTON, KY 40517 | AFLAC | $97 | — | $97 | 0.43% |
| REGINA CALDWELL3 | 2046 SINKING CREEK ROAD LONDON, KY 40741 | AFLAC | $47 | $24 | $71 | 0.31% |
| CARROLL INSURANCE AGENCY LTD3 Filed as: CARROLL INSURANCE AGENCY INC. | 4384 CLEARWATER WAY SUITE 200 LEXINGTON, KY 40515 | AFLAC | $57 | — | $57 | 0.25% |
| CHRIS A GEHLHAUSEN3 Filed as: CHRIS GEHLHAUSEN | 5401 VOGEL RD STE 410 EVANSVILLE, IN 47715 | AFLAC | $49 | $5 | $54 | 0.24% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 12140 MANOR WALK DR GLEN ALLEN, VA 23059 | AFLAC | $49 | — | $49 | 0.22% |
| MARK MYERS3 | 1745 N. 75 E WASHINGTON, IN 47501 | AFLAC | $23 | $25 | $48 | 0.21% |
| LAURA BETH KELLER3 Filed as: LAURA KELLER | 2220 EXECUTIVE DRIVE SUTIE 204 LEXINGTON, KY 40505 | AFLAC | $45 | — | $45 | 0.20% |
| JOHN TYLER & ASSOCIATES3 | 18632 WOLF CREEK DR EDMOND, OK 73012 | AFLAC | $34 | — | $34 | 0.15% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE INC | 2600 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | AFLAC | $31 | — | $31 | 0.14% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | P. O. BOX 910610 LEXINGTON, KY 40591 | AFLAC | $30 | — | $30 | 0.13% |
| BRANDEE L JUSTUS3 Filed as: BRANDEE JUSTUS | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | AFLAC | $25 | $5 | $30 | 0.13% |
| ANNE T. ALTIERI3 Filed as: ANNE T ALTIERI | 3008 ATKINSON AVE LEXINGTON, KY 40509 | AFLAC | $30 | — | $30 | 0.13% |
| RUEANN EMERSON3 | 4257 HARRINGTON RD APT 306 LELAND, NC 28451 | AFLAC | $28 | — | $28 | 0.12% |
| CHRIS A GEHLHAUSEN3 | 101 PLAZA EAST BLVD STE 317 EVANSVILLE, IN 47715 | AFLAC | $24 | — | $24 | 0.11% |
| GEMINI INSURANCE INC3 Filed as: GEMINI INSURANCE INC. | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $22 | — | $22 | 0.10% |
| DAYTON LLC3 | 324 OLD WOOD DRIVE COLUMBIA, SC 29212 | AFLAC | $14 | — | $14 | 0.06% |
| AMY E COHEN3 Filed as: AMY GEHLHAUSEN | 3115 HOWARD DRIVE JASPER, IN 47546 | AFLAC | $14 | — | $14 | 0.06% |
| LAWRENCE FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $12 | — | $12 | 0.05% |
| LAURA J NEWMAN-SUTER3 Filed as: LAURA NEWMAN-SUTER | 414 CHINOE ROAD LEXINGTON, KY 40502 | AFLAC | $12 | — | $12 | 0.05% |
| JOHN T CLANCY3 Filed as: JOHN CLANCY | 4025 PETE DYE BLVD. CARMEL, IN 46033 | AFLAC | $12 | — | $12 | 0.05% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 631 GREENFORD TRAIL W CARMEL, IN 46032 | AFLAC | $12 | — | $12 | 0.05% |
| FREDERICK D EDRINGTON3 Filed as: FREDERICK EDRINGTON | 101 MEADOW LARK ROAD PRINCETON, KY 42445 | AFLAC | $11 | — | $11 | 0.05% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA FLY | P. O. BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $11 | — | $11 | 0.05% |
| BRIAN S MARTIN3 | 3280 BLAZER PARKWAY STE 201 LEXINGTON, KY 40509 | AFLAC | $11 | — | $11 | 0.05% |
| DALE I DAVIS3 | 1856 TRAVELLER RD LEXINGTON, KY 40504 | AFLAC | $10 | — | $10 | 0.04% |
| BRIAN S MARTIN3 Filed as: BRIAN MARTIN | 333 E. SHORT STREET APT. 130 LEXINGTON, KY 40507 | AFLAC | $4 | $5 | $9 | 0.04% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 350 E. SHORT STREET NUMBER 416 LEXINGTON, KY 40507 | AFLAC | $4 | $5 | $9 | 0.04% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P. O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $9 | — | $9 | 0.04% |
| LIB WILSON & ASSOCIATES, INC.3 | 214 EDGEWOOD DRIVE NICHOLASVILLE, KY 40356 | AFLAC | $7 | — | $7 | 0.03% |
| DAVID A EMERSON3 | 11551 NUCKOLS RD STE P GLEN ALLEN, VA 23059 | AFLAC | $4 | — | $4 | 0.02% |
| ANNE T. ALTIERI3 Filed as: ANNE ALTIERI | 4030 TATES CREEK ROAD APT. 2969 LEXINGTON, KY 40517 | AFLAC | $3 | — | $3 | 0.01% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 1500 BEVILLE RD STE 606# 327 DAYTONA BEACH, FL 32114 | AFLAC | $2 | — | $2 | 0.01% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 274 | $79K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 371 | $134K |
| Long-term disability | STANDARD INSURANCE COMPANY | 221 | $181K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 371 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.