| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $4K | $36K | 4.54% |
| CHRISTINA A WEYLS3 Filed as: CHRISTINA WEYLS | 422 JACK TURNER WAY LANCASTER, KY 40444 | CINCINNATI LIFE | $266 | — | $266 | 1.26% |
| CHARLES THOMPSON3 | 3131 CUSTER DR #3 LEXINGTON, KY 40517 | CINCINNATI LIFE | $116 | — | $116 | 0.55% |
| CHRISTINA A WEYLS3 Filed as: CHRISTINA WEYLS | 422 JACK TURNER WAY LANCASTER, KY 40444 | AFLAC | $939 | $10 | $949 | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | AFLAC | $385 | — | $385 | 2.03% |
| CHARLES THOMPSON3 | 3131 CUSTER DR #3 LEXINGTON, KY 40517 | AFLAC | $384 | — | $384 | 2.02% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA LARSON | 844 SANDSTONE RDG COLD SPRINGS, KY 41076 | AFLAC | $380 | — | $380 | 2.00% |
| RUEANN EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $141 | — | $141 | 0.74% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $132 | — | $132 | 0.70% |
| LAURA BETH KELLER3 Filed as: LAURA KELLER | 141 PROSPEROUS PL STE 26 LEXINGTON, KY 40509 | AFLAC | $129 | $2 | $131 | 0.69% |
| LAWRENCE FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $122 | — | $122 | 0.64% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $89 | — | $89 | 0.47% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD RD PIKEVILLE, KY 41501 | AFLAC | $76 | $2 | $78 | 0.41% |
| R WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $58 | — | $58 | 0.31% |
| AMELIA S COX3 Filed as: AMELIA COX | 190 HUBBARD LN LONDON, KY 40744 | AFLAC | $51 | — | $51 | 0.27% |
| LAURA J NEWMAN-SUTER3 | 414 CHINOE RD LEXINGTON, KY 40502 | AFLAC | $29 | — | $29 | 0.15% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $22 | — | $22 | 0.12% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $19 | — | $19 | 0.10% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $15 | — | $15 | 0.08% |
| BRIAN S MARTIN3 Filed as: BRIAN MARTIN | 3280 BLAZER PKWY STE 201 LEXINGTON, KY 40509 | AFLAC | $7 | — | $7 | 0.04% |
| PAULA C. FRIZZELL3 Filed as: PAULA FRIZZELL | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $6 | — | $6 | 0.03% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.68% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.70% |
| CHARLES THOMPSON3 | 3131 CUSTER DR LEXINGTON, KY 40517 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 3.02% |
| JUDY STEVENS3 | 2132 LEAFLAND PLACE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 1.19% |
| MARY DUFF3 | 1005 RICHMOND RD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.78% |
| JAMES EDWARD CAUDILL3 | 776 MALIBU DR LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.48% |
| MIKE TERRY3 | 1505 CASPER CT LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.28% |
| COURTLANN M ATKINSON3 | 618 FAIRWAY ST BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.06% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 151 | $791K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 151 | $791K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 151 | $791K |
| Life insurance | STANDARD INSURANCE COMPANY | 117 | $17K |
| Long-term disability | STANDARD INSURANCE COMPANY | 78 | $18K |
| Other(3 contracts, 3 carriers) | CINCINNATI LIFE | 29 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
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.