| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 N WHITTINGTON PKWY STE 300 LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $30K | — | $30K | 2.39% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 435 N WHITTINGTON PKWY STE 300 LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 4.90% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 12.33% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.39% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 435 N WHITTINGTON PKWY STE 300 LOUISVILLE, KY 40222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $606 | $166 | $772 | 5.81% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 435 N WHITTINGTON PKWY STE 300 LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 10.00% |
| CHRISTINA A WEYLS3 Filed as: CHRISTINA WEYLS | 422 JACK TURNER WAY LANCASTER, KY 40444 | AFLAC | $241 | — | $241 | 3.11% |
| CHARLES THOMPSON3 | 3131 CUSTER DR #3 LEXINGTON, KY 40517 | AFLAC | $168 | — | $168 | 2.17% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA LARSON | 844 SANDSTONE RDG COLD SPRINGS, KY 41076 | AFLAC | $136 | — | $136 | 1.76% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $84 | — | $84 | 1.09% |
| RUEANN EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $68 | — | $68 | 0.88% |
| LAWRENCE FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $55 | — | $55 | 0.71% |
| LAURA BETH KELLER3 Filed as: LAURA KELLER | 141 PROSPEROUS PL STE 26 LEXINGTON, KY 40509 | AFLAC | $40 | — | $40 | 0.52% |
| AMELIA S COX3 Filed as: AMELIA COX | 190 HUBBARD LN LONDON, KY 40744 | AFLAC | $34 | — | $34 | 0.44% |
| R WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $31 | — | $31 | 0.40% |
| LAURA J NEWMAN-SUTER3 | 414 CHINOE RD LEXINGTON, KY 40502 | AFLAC | $22 | — | $22 | 0.28% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | AFLAC | $15 | — | $15 | 0.19% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $15 | — | $15 | 0.19% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD RD PIKEVILLE, KY 41501 | AFLAC | $14 | — | $14 | 0.18% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $12 | — | $12 | 0.16% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $10 | — | $10 | 0.13% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $9 | — | $9 | 0.12% |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 96 | $1.2M |
| Dental | DELTA DENTAL OF KENTUCKY | 166 | $57K |
| Vision | DELTA DENTAL OF KENTUCKY | 126 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 131 | $54K |
| Long-term disability | STANDARD INSURANCE COMPANY | 131 | $54K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 17 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.