| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 0.93% |
| PEDIGO LESSENBERRY INSURANCE3 Filed as: PEDIGO-LESSENBERRY INS AGENCY INC. | P.O. BOX 1899 GLASGOW, KY 42142 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 0.62% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $7K | $18K | 4.83% |
| PEDIGO LESSENBERRY INSURANCE3 | 103 PIN OAK LANE GLASGOW, KY 42141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 2.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $4K | $9K | 3.46% |
| PEDIGO LESSENBERRY INSURANCE3 | 103 PIN OAK LANE GLASGOW, KY 42141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 1.16% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $4K | $7K | 2.94% |
| PEDIGO LESSENBERRY INSURANCE3 | 103 PIN OAK LANE GLASGOW, KY 42141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 0.92% |
| MURPHY M DEMUNBRUN JR3 Filed as: MURPHY DEMUNBRUN JR | 900 REX BARTLEY ROAD GLASGOW, KY 42141 | AFLAC | $6K | $150 | $7K | 3.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AFLAC | $4K | — | $4K | 1.63% |
| WANDA JEAN ANDERSON3 Filed as: WANDA ANDERSON | 1751 WHITE OAK RIDGE ROAD FOUNTAIN RUN, KY 42133 | AFLAC | $3K | $5 | $3K | 1.46% |
| DEBORAH BIGGERS3 Filed as: DEBORAH K BIGGERS | 126 LONGHUNTERS TRACE GLASGOW, KY 42141 | AFLAC | $3K | $158 | $3K | 1.38% |
| DARRYL J YOUNG3 Filed as: DARRYL YOUNG | 4522 SHADY PLACE COURT BOWLING GREEN, KY 42104 | AFLAC | $2K | — | $2K | 1.12% |
| PEDIGO LESSENBERRY INSURANCE3 Filed as: PEDIGO LESSENBERRY INSURANCE AGENCY | P.O. BOX 1899 GLASGOW, KY 42142 | AFLAC | $2K | — | $2K | 1.06% |
| BRANDI DICKEN3 | 310 MEGAN LANE GLASGOW, KY 42141 | AFLAC | $2K | $141 | $2K | 1.02% |
| R WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $1K | $5 | $1K | 0.65% |
| TYLER M TRAVIS3 Filed as: TYLER TRAVIS | 707 LESLIE AVENUE GLASGOW, KY 42141 | AFLAC | $1K | $90 | $1K | 0.57% |
| PHILIP D BLAKEMAN3 Filed as: PHILIP BLAKEMAN | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $732 | $90 | $822 | 0.37% |
| REBECCA A DEFERRARO3 Filed as: REBECCA DEFERRARO | 418 WALLACE AVENUE LOUISVILLE, KY 40207 | AFLAC | $649 | — | $649 | 0.29% |
| TASHA WILBURN DOZIER3 | 151 HIGHLAND RIDGE DRIVE SALTILLO, MS 38866 | AFLAC | $571 | $5 | $576 | 0.26% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $272 | — | $272 | 0.12% |
| JOHN MIKE COLLINS3 Filed as: JOHN STARR | 1088 TOURNAMENT DRIVE SPRING HILL, FL 34608 | AFLAC | $224 | — | $224 | 0.10% |
| BETTY J LINDSEY3 | 1216 GENERAL GEORGE PATTON ROAD NASHVILLE, TN 37221 | AFLAC | $166 | — | $166 | 0.08% |
| PAULA WINCHELL3 | 260 HOLLIS THOMAS ROAD GLASGOW, KY 42141 | AFLAC | $122 | $16 | $138 | 0.06% |
| ELIZABETH WATTS3 | 658 RAMBLIN ROAD MT WASHINGTON, KY 40047 | AFLAC | $129 | — | $129 | 0.06% |
| W BURRIS3 | 251 LONG BEACH DRIVE HOT SPRINGS, AR 71913 | AFLAC | $98 | — | $98 | 0.04% |
| DONOVAN DEFERRARO3 | 3022 ROSEDALE BOULEVARD LOUISVILLE, KY 40220 | AFLAC | $82 | — | $82 | 0.04% |
| DENNIS HARTIN3 | 14506 MIRASOL MANOR COURT APARTMENT 202 TAMPA, FL 33626 | AFLAC | $53 | — | $53 | 0.02% |
| POWELL ENTERPRISES LLC3 | P.O. BOX 520 BUENA VISTA, GA 31803 | AFLAC | $48 | — | $48 | 0.02% |
| ROBERT P MCFARLAND3 Filed as: ROBERT INGRAM BARNES III | 227 CHRISTENBURY LANE CLAYTON, NC 27527 | AFLAC | $46 | — | $46 | 0.02% |
| OLIVIA BASTIN3 | 8809 PERRY ROAD LOUISVILLE, KY 40222 | AFLAC | $45 | — | $45 | 0.02% |
| FAITH CRYSTAL TAYLOR3 Filed as: FAITH BURRIS | 251 LONG BEACH DRIVE HOT SPRINGS, AR 71913 | AFLAC | $44 | — | $44 | 0.02% |
| WILLIAM H CARDER II3 Filed as: WILLIAM CARDER II | 140 MAIN STREET GAMALIEL, KY 42140 | AFLAC | $33 | — | $33 | 0.01% |
| MICHAEL RAY3 | 2995 TUCKER SCHOOLHOUSE ROAD HANSON, KY 42413 | AFLAC | $31 | — | $31 | 0.01% |
| VICTORIA PARKER3 | 7231 LUCILLE AVENUE LOUISVILLE, KY 40258 | AFLAC | $28 | — | $28 | 0.01% |
| MARTHA CARDER3 | P.O. BOX 145 GAMALIEL, KY 42140 | AFLAC | $26 | — | $26 | 0.01% |
| GLASGOW INSURANCE AGENCY INC.3 | 318 SOUTH GREEN STREET GLASGOW, KY 42141 | AFLAC | $26 | — | $26 | 0.01% |
| KAREN L ESTES3 Filed as: KAREN ESTES | P.O. BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $21 | — | $21 | 0.01% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $21 | — | $21 | 0.01% |
| TIMOTHY T TEAGUE3 | 5104 RUSSELL ROAD FRANKLIN, TN 37064 | AFLAC | $20 | — | $20 | 0.01% |
| BONNIE TAFT3 | 573 CANE STREET HARRODSBURG, KY 40330 | AFLAC | $20 | — | $20 | 0.01% |
| JULIE THOMERSON3 | 2047 SLICK ROCK ROAD GLASGOW, KY 42141 | AFLAC | $19 | — | $19 | 0.01% |
| SARAH LARKIN3 | 397 FLATROCK ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $19 | — | $19 | 0.01% |
| DONALD L LARSON3 Filed as: DONALD LARSON | 1528 LOUISVILLE ROAD ALCOA, TN 37701 | AFLAC | $13 | — | $13 | 0.01% |
| ROBERT GOBLE3 | 1410 4TH STREET DRIVE NW UNIT 208 HICKORY, NC 28601 | AFLAC | $12 | — | $12 | 0.01% |
| JAMES A TAFT JR3 Filed as: JAMES TAFT JR | 573 CANE RUN STREET HARRODSBURG, KY 40330 | AFLAC | $11 | — | $11 | 0.00% |
| ANNETTA HUNTER3 | 7816 LARIAT ROAD LOUISVILLE, KY 40219 | AFLAC | $8 | — | $8 | 0.00% |
| JAMES P BARTA3 Filed as: JAMES WILLIA HUNT | 8803 CHADWICK COURT LOUISVILLE, KY 40222 | AFLAC | $8 | — | $8 | 0.00% |
| SANDRA C BALDWIN3 Filed as: SANDRA BALDWIN | 146 CHAMBERLAIN DRIVE GEORGETOWN, KY 40324 | AFLAC | $7 | — | $7 | 0.00% |
| LINDA HOPKINS3 | 201 HIGHLAND TRACE HIGHLAND HEIGHTS, KY 41076 | AFLAC | $5 | — | $5 | 0.00% |
| REBECCA MOORE3 | 798 OLIVER STREET APARTMENT B SCOTTSVILLE, KY 42164 | AFLAC | $5 | — | $5 | 0.00% |
| WILLIAM BAIRD3 | 1140 GRANNY WHITE COURT A NASHVILLE, TN 37204 | AFLAC | $5 | — | $5 | 0.00% |
| STEVEN H STEINHAUER3 Filed as: STEVEN STEINHAUER | 4730 TURNBERRY LANE UNIT 13 COLUMBUS, GA 31909 | AFLAC | $3 | — | $3 | 0.00% |
| SANDRA A AULT3 Filed as: SANDRA AULT | 202 WEST WALNUT STREET HARTFORD, KY 42347 | AFLAC | $2 | — | $2 | 0.00% |
| DENNIS W HOFFMAN3 Filed as: DENNIS HOFFMAN | P.O. BOX 963 OWENSBORO, KY 42302 | AFLAC | $2 | — | $2 | 0.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD ATTN L BRIGGS COCHRAN LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $7K | $318 | $7K | 6.85% |
| PEDIGO LESSENBERRY INSURANCE3 Filed as: PEDIGO LESSENBERRY INS AGENCY INC. | P.O. BOX 1899 GLASGOW, KY 42142 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $5K | — | $5K | 4.37% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.92% |
| PEDIGO LESSENBERRY INSURANCE3 | 103 PIN OAK LANE GLASGOW, KY 42141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $505 | $2K | 6.24% |
| KHA SOLUTIONS GROUP3 | P.O. BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $94 | — | $94 | 9.03% |
| WILLIAM H. MEYER AGENCY, INC.3 Filed as: WILLIAM H MEYER AGENCY INC. | 1660 NW PROFESSIONAL PLAZA SUITE J COLUMBUS, OH 43220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $62 | — | $62 | 5.96% |
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 | 1,207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 2,132 | $454K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,576 | $108K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,207 | $257K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 431 | $241K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,060 | $379K |
| Other(3 contracts, 2 carriers) | AFLAC | 1,207 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,132 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.