| 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 | 0.88% |
| PEDIGO LESSENBERRY INSURANCE3 Filed as: PEDIGO-LESSENBERRY INS AGENCY INC. | P.O. BOX 1899 GLASGOW, KY 42142 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 0.58% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $8K | $19K | 5.19% |
| PEDIGO LESSENBERRY INSURANCE3 | 103 PIN OAK LANE GLASGOW, KY 42141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 1.83% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $5K | $10K | 3.87% |
| PEDIGO LESSENBERRY INSURANCE3 | 103 PIN OAK LANE GLASGOW, KY 42141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 1.06% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $5K | $10K | 4.63% |
| PEDIGO LESSENBERRY INSURANCE3 | 103 PIN OAK LANE GLASGOW, KY 42141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 1.39% |
| MURPHY M DEMUNBRUN JR3 Filed as: MURPHY DEMUNBRUN JR | 900 REX BARTLEY ROAD GLASGOW, KY 42141 | AFLAC | $4K | — | $4K | 2.67% |
| WANDA JEAN ANDERSON3 Filed as: WANDA ANDERSON | 1751 WHITE OAK RIDGE ROAD FOUNTAIN RUN, KY 42133 | AFLAC | $2K | — | $2K | 1.43% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AFLAC | $2K | — | $2K | 1.27% |
| DARRYL J YOUNG3 Filed as: DARRYL YOUNG | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | AFLAC | $2K | — | $2K | 1.15% |
| DEBORAH BIGGERS3 | 126 LONGHUNTERS TRACE GLASGOW, KY 42141 | AFLAC | $1K | — | $1K | 1.01% |
| PEDIGO LESSENBERRY INSURANCE3 Filed as: PEDIGO LESSENBERRY INSURANCE AGENCY | P.O. BOX 1899 GLASGOW, KY 42142 | AFLAC | $1K | — | $1K | 0.82% |
| R WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $865 | — | $865 | 0.63% |
| BRANDI DICKEN3 | 3753 POPULAR SRRING ROAD GLASGOW, KY 42141 | AFLAC | $720 | — | $720 | 0.53% |
| TASHA WILBURN DOZIER3 | 151 HIGHLAND RIDGE DRIVE SALTILLO, MS 38866 | AFLAC | $326 | — | $326 | 0.24% |
| TYLER M TRAVIS3 Filed as: TYLER TRAVIS | 707 LESLIE AVENUE GLASGOW, KY 42141 | AFLAC | $307 | — | $307 | 0.22% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA DOEPKE | 10733 WORTHINGTON LANE PROSPECT, KY 40059 | AFLAC | $305 | — | $305 | 0.22% |
| PHILLIP D BLAKEMAN3 Filed as: PHILLIP BLAKEMAN | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $151 | — | $151 | 0.11% |
| MARK GALVIN LLC3 Filed as: MARK GLAVIN LLC | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $143 | — | $143 | 0.10% |
| BETTY J LINDSEY3 | 1216 GENERAL GEORGE PATTON ROAD NASHVILLE, TN 37221 | AFLAC | $143 | — | $143 | 0.10% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $135 | — | $135 | 0.10% |
| DENNIS HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $120 | — | $120 | 0.09% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY CASTELLANETA | 276 MONTEREY DRIVE SUITE 4 NEW LENOX, IL 60451 | AFLAC | $103 | — | $103 | 0.08% |
| W BURRIS3 | 251 LONG BEACH DRIVE HOT SPRINGS, AR 71913 | AFLAC | $84 | — | $84 | 0.06% |
| JOHN MIKE COLLINS3 Filed as: JOHN STARR | 17766 SE 90TH CLEMSON CIRCLE THE VILLAGES, FL 32162 | AFLAC | $80 | — | $80 | 0.06% |
| ELIZABETH WATTS3 | 3142 HARDINSBURG ROAD CECILIA, KY 42724 | AFLAC | $69 | — | $69 | 0.05% |
| DAN ANTLE3 | P.O. BOX 10 COLUMBIA, KY 42728 | AFLAC | $52 | — | $52 | 0.04% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 1500 BEVILLE ROAD SUITE 606 DAYTONA BEACH, FL 32114 | AFLAC | $42 | — | $42 | 0.03% |
| WILLIAM H CARDER II3 Filed as: WILLIAM CARDER II | 140 MAIN STREET GAMALIEL, KY 42140 | AFLAC | $41 | — | $41 | 0.03% |
| POWELL ENTERPRISES LLC3 | 107 SOUTHERN BOULEVARD SUITE 103A SAVANNAH, GA 31405 | AFLAC | $41 | — | $41 | 0.03% |
| FAITH CRYSTAL TAYLOR3 Filed as: FAITH BURRIS | 251 LONG BEACH DRIVE HOT SPRINGS, AR 71913 | AFLAC | $38 | — | $38 | 0.03% |
| LORI N DEMUNBRUN3 Filed as: LORI DEMUNBRUN | 900 REX BARTLEY ROAD GLASGOW, KY 42141 | AFLAC | $37 | — | $37 | 0.03% |
| ROBERT P MCFARLAND3 Filed as: ROBERT INGRAM BARNES II | 227 CHRISTENBURY LANE CLAYTON, NC 27527 | AFLAC | $36 | — | $36 | 0.03% |
| JAMES GROSS3 | 8907 ALPHIN COURT LOUISVILLE, KY 40299 | AFLAC | $35 | — | $35 | 0.03% |
| MICHAEL RAY3 | 2995 TUCKER SCHOOLHOUSE ROAD HANSON, KY 42413 | AFLAC | $26 | — | $26 | 0.02% |
| OLIVIA BASTIN3 | 9004 BILLINGSGATE PLACE LOUISVILLE, KY 40242 | AFLAC | $26 | — | $26 | 0.02% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $23 | — | $23 | 0.02% |
| MARTHA CARDER3 | P.O. BOX 145 GAMALIEL, KY 42140 | AFLAC | $22 | — | $22 | 0.02% |
| DONOVAN DEFERRARO3 | 3711 WEST LOCUST CIRCLE PROSPECT, KY 40059 | AFLAC | $21 | — | $21 | 0.02% |
| KAREN L ESTES3 Filed as: KAREN ESTES | P.O. BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $18 | — | $18 | 0.01% |
| BONNIE TAFT3 | 573 CAN RUN STREET HARRODSBURG, KY 40330 | AFLAC | $17 | — | $17 | 0.01% |
| TIMOTHY T TEAGUE3 | 5104 RUSSELL ROAD FRANKLIN, TN 37064 | AFLAC | $12 | — | $12 | 0.01% |
| JAMES A. THOMPSON3 Filed as: JAMES THOMPSON | 5549 BURKESVILLE ROAD GLASGOW, KY 42141 | AFLAC | $12 | — | $12 | 0.01% |
| ROBERT GOBLE3 | 1410 4TH STREET DRIVE NW UNIT 208 HICKORY, NC 28601 | AFLAC | $11 | — | $11 | 0.01% |
| JAMES A TAFT JR3 Filed as: JAMES TAFT JR | 573 CANE RUN STREET HARRODSBURG, KY 40330 | AFLAC | $10 | — | $10 | 0.01% |
| SANDRA C BALDWIN3 Filed as: SANDRA BALDWIN | 146 CHAMBERLAIN DRIVE GEORGETOWN, KY 40324 | AFLAC | $6 | — | $6 | 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 | $4 | — | $4 | 0.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $7K | $385 | $8K | 6.31% |
| 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 | 4.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $660 | $2K | 8.04% |
| PEDIGO LESSENBERRY INSURANCE3 | 103 PIN OAK LANE GLASGOW, KY 42141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.94% |
| KHA SOLUTIONS GROUP3 | P.O. BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $128 | $31 | $159 | 25.98% |
| 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 | $79 | — | $79 | 12.91% |
| KENTUCKY HOSPITAL SVS CORP3 | P.O. BOX 436629 LOUISVILLE, KY 40253 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 15.33% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY STREET BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 7.33% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 7.33% |
| DEBORAH S GOLDEN3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 3.67% |
| BOBBIE J WHITTAKER3 | 2530 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 2.33% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.33% |
| CATHERINE JASKO REDMON3 | 108 SARATOGA DRIVE FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.33% |
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 | 1,137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 2,126 | $507K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,647 | $120K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,137 | $254K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 398 | $205K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 991 | $362K |
| Other(4 contracts, 3 carriers) | AFLAC | 1,137 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,126 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.