| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $1K | $26K | 3.40% |
| CHARLES THOMPSON3 Filed as: CHARLES EDWARD THOMPSON | 3131 CUSTER DR #3 LEXINGTON, KY 40517 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 0.73% |
| CHRISTINA A WEYLS3 Filed as: CHRISTINA WEYLS | 422 JACK TURNER WAY LANCASTER, KY 40444 | CINCINATI LIFE | $1K | — | $1K | 6.13% |
| CHARLES THOMPSON3 | 3131 CUSTER DR #3 LEXINGTON, KY 40517 | CINCINATI LIFE | $620 | — | $620 | 2.63% |
| CHRISTINA A WEYLS3 | 422 JACK TURNER WAY LANCASTER, KY 40444 | AFLAC | $748 | $136 | $884 | 4.92% |
| CHARLES THOMPSON3 | 3131 CUSTER DR #3 LEXINGTON, KY 40517 | AFLAC | $526 | — | $526 | 2.93% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRINGS, KY 41076 | AFLAC | $288 | — | $288 | 1.60% |
| THE DIAMOND AGENCY LLC3 | 2013 OLD RIDGE WAY SUITE 150 #202 LELAND, NC 28451 | AFLAC | $147 | — | $147 | 0.82% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $136 | — | $136 | 0.76% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $136 | — | $136 | 0.76% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD RD PIKEVILLE, KY 41501 | AFLAC | $88 | $27 | $115 | 0.64% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $60 | — | $60 | 0.33% |
| DALE I DAVIS3 | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $59 | — | $59 | 0.33% |
| DALE I DAVIS3 | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $31 | $27 | $58 | 0.32% |
| AMELIA S COX3 | 1265 ROY DUGGER RD LONDON, KY 40741 | AFLAC | $51 | — | $51 | 0.28% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PL STE 26 LEXINGTON, KY 40509 | AFLAC | $42 | — | $42 | 0.23% |
| LAURA J NEWMAN-SUTER3 | 414 CHINOE RD LEXINGTON, KY 40502 | AFLAC | $29 | — | $29 | 0.16% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $23 | — | $23 | 0.13% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $19 | — | $19 | 0.11% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $15 | — | $15 | 0.08% |
| BRIAN S MARTIN3 | 3280 BLAZER PKWY STE 201 LEXINGTON, KY 40509 | AFLAC | $8 | — | $8 | 0.04% |
| JAMES KERKHOFF3 | 2416 SIR BARTON WAY STE 300 LEXINGTON, KY 40509 | DEARBORN LIFE INSURANCE COMPANY | $961 | — | $961 | 6.54% |
| CHARLES D. BLOCK3 Filed as: CHARLES E THOMPSON | 3131 CUSTER DR #3 LEXINGTON, KY 40517 | DEARBORN LIFE INSURANCE COMPANY | $720 | — | $720 | 4.90% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 19.97% |
| CHARLES THOMPSON3 | 3131 CUSTER DR LEXINGTON, KY 40517 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | — | $201 | 1.99% |
| JUDY STEVENS3 | 2132 LEAFLAND PLACE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 1.04% |
| JAMES EDWARD CAUDILL3 | 776 MALIBU DR LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.89% |
| MARY DUFF3 | 1005 RICHMOND RD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.81% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.35% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
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) | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $760K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $760K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $760K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 127 | $26K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 127 | $26K |
| Other(4 contracts, 4 carriers) | CINCINATI LIFE | 127 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.