| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES THOMPSON3 | 3131 CUSTER DR #3 LEXINGTON, KY 40517 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $24K | — | $24K | 2.41% |
| CHARLES D. BLOCK3 Filed as: CHARLES E THOMPSON | 3131 CUSTER DR #3 LEXINGTON, KY 40517 | DEARBORN LIFE INSURANCE COMPANY | $5K | — | $5K | 12.42% |
| CHRISTINA A WEYLS3 Filed as: CHRISTINA WEYLS | 422 JACK TURNER WAY LANCASTER, KY 40444 | CINCINATI LIFE | $6K | — | $6K | 26.39% |
| CHARLES THOMPSON3 | 3131 CUSTER DR #3 LEXINGTON, KY 40517 | CINCINATI LIFE | $3K | — | $3K | 11.31% |
| CHRISTINA A WEYLS3 | 422 JACK TURNER WAY LANCASTER, KY 40444 | AFLAC | $1K | $59 | $1K | 7.10% |
| CHARLES THOMPSON3 | 3131 CUSTER DR #3 LEXINGTON, KY 40517 | AFLAC | $1K | — | $1K | 5.51% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $289 | — | $289 | 1.46% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRINGS, KY 41076 | AFLAC | $284 | — | $284 | 1.43% |
| THE DIAMOND AGENCY LLC3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $158 | — | $158 | 0.80% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD RD PIKEVILLE, KY 41501 | AFLAC | $128 | $12 | $140 | 0.71% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $136 | — | $136 | 0.69% |
| DALE I DAVIS3 | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $110 | $12 | $122 | 0.62% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $53 | — | $53 | 0.27% |
| AMELIA S COX3 | 1265 ROY DUGGER RD LONDON, KY 40741 | AFLAC | $51 | — | $51 | 0.26% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PL STE 26 LEXINGTON, KY 40509 | AFLAC | $35 | — | $35 | 0.18% |
| LAURA J NEWMAN-SUTER3 | 414 CHINOE RD LEXINGTON, KY 40502 | AFLAC | $29 | — | $29 | 0.15% |
| PAMELA ROWSEY LARSON3 | 187 PAVILION PKWY STE 231 NEWPORT, KY 41071 | AFLAC | $25 | — | $25 | 0.13% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $24 | — | $24 | 0.12% |
| PAULA C. FRIZZELL3 Filed as: PAULA C FRIZZELL | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $19 | — | $19 | 0.10% |
| BROCK POWELL3 | 3944 MURPHY CANYON RD STE C203 SAN DIEGO, CA 92123 | AFLAC | $19 | — | $19 | 0.10% |
| BRADLEY L ELLIS3 | 1500 BEVILLE RD STE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $16 | — | $16 | 0.08% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $11 | — | $11 | 0.06% |
| BRIAN S MARTIN3 | 3280 BLAZER PKWY STE 201 LEXINGTON, KY 40509 | AFLAC | $10 | — | $10 | 0.05% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $10 | — | $10 | 0.05% |
| LAURA BETH KELLER3 | 2220 EXECUTIVE DR STE 204 LEXINGTON, KY 40505 | AFLAC | $6 | — | $6 | 0.03% |
| DALE I DAVIS3 | 1856 TRAVELLER RD LEXINGTON, KY 40504 | AFLAC | $6 | — | $6 | 0.03% |
| CHARLES THOMPSON3 | 3131 CUSTER DR #3 LEXINGTON, KY 40517 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | — | $267 | 2.40% |
| JUDY STEVENS3 | 2132 LEAFLAND PLACE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.84% |
| JAMES EDWARD CAUDILL3 | 776 MALIBU DR LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.81% |
| MARY DUFF3 | 1005 RICHMOND RD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.67% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.30% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| MARGARET M GRAHAM3 | 200 CROOKED CREEK DR ONEIDA, TN 37841 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| REGINA SCHMUTTE3 | 4999 HARTLAND PKWY LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| CHARLES THOMPSON3 | 3131 CUSTER DR #3 LEXINGTON, KY 40517 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 30.73% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 173 | $1.0M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 173 | $1.0M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 173 | $1.0M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 128 | $37K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 128 | $41K |
| Other(4 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 128 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.