| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & CO - WIS LLC | 360 E VINE STREET LEXINGTON, KY 40507 | HUMANA HEALTH PLAN, INC. | $29K | — | $29K | 4.33% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & CO - WIS LLC | 360 E VINE STREET LEXINGTON, KY 40507 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $19 | $3K | 5.53% |
| KAREN L ESTES Filed as: KAREN L. ESTES | P.O. BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $1K | $111 | $1K | 3.76% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40222 | AFLAC | $927 | $46 | $973 | 3.00% |
| MARK GALVIN LLC Filed as: MARK GALVIN | 204 DEERFIELD HILL ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $624 | $32 | $656 | 2.02% |
| GLEN ESTES | P.O. BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $589 | — | $589 | 1.81% |
| R AARON WRIGHT | 9200 SHELBYVILLE ROAD, STE 605 LOUISVILLE, KY 40222 | AFLAC | $322 | $32 | $354 | 1.09% |
| REBECCA A DEFERRARO | 418 WALLACE AVE LOUISVILLE, KY 40207 | AFLAC | $302 | $32 | $334 | 1.03% |
| POWELL ENTERPRISES LLC Filed as: POWELL ENTERPRISES, LLC | 125 PLANTATION CENTRE DR S STE 900 MACON, GA 31210 | AFLAC | $259 | — | $259 | 0.80% |
| SUSAN PEARCY | P.O. BOX 6574 LOUISVILLE, KY 40206 | AFLAC | $136 | — | $136 | 0.42% |
| ALLISON JONES LUCKETT | 5224 PEBBLE CREEK PLACE LOUISVILLE, KY 40241 | AFLAC | $122 | — | $122 | 0.38% |
| NATHANIEL Y HAGGARD Filed as: NATHANIEL HAGGARD | 1602 HELMRIDGE COURT LOUISVILLE, KY 40222 | AFLAC | $74 | — | $74 | 0.23% |
| BRIAN GRAHAM INC | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | AFLAC | $34 | — | $34 | 0.10% |
| SETH O AKERS | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | AFLAC | $26 | — | $26 | 0.08% |
| MARTA L MCMACKIN | 4138 TRADITION WAY LEXINGTON, KY 40509 | AFLAC | $21 | — | $21 | 0.06% |
| KEITH FRIZZELL | 1795 ALYSHEBA WAY STE 1204 LEXINGTON, KY 40509 | AFLAC | $16 | — | $16 | 0.05% |
| BRADLEY L ELLIS | 7713 INDEPENDENCE PL CRESTWOOD, KY 40014 | AFLAC | $16 | — | $16 | 0.05% |
| THERESA J SMITH Filed as: THERESA J. SMITH | 3521 HURSTBOURNE RIDGE BLVD LOUISVILLE, KY 40299 | AFLAC | $11 | — | $11 | 0.03% |
| WILLIAM E MOLONEY Filed as: WILLIAM STACK RUCH | 2560 RICHMOND ROAD, SUITE 200 LEXINGTON, KY 40509 | AFLAC | $9 | — | $9 | 0.03% |
| PAULA GAIL NEAL Filed as: PAULA C. CUTTER | 1795 ALYSHEBA WAY STE 1204 LEXINGTON, KY 40509 | AFLAC | $8 | — | $8 | 0.02% |
| RUEANN EMERSON | 4820 LAKE BROOK DR STE 125 GLEN ALLEN, VA 23060 | AFLAC | $3 | — | $3 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & CO - WIS LLC | 360 E VINE STREET LEXINGTON, KY 40507 | THE DENTAL CONCERN, INC. | $3K | — | $3K | 10.81% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & CO - WIS LLC | 360 E VINE STREET LEXINGTON, KY 40507 | HUMANA INSURANCE COMPANY OF KENTUCKY | $3K | — | $3K | 15.91% |
| ROBERT BAYS | 1516 LOUISVILLE ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $499 | $3K | 15.92% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES M. BENNETT | P.O. BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 14.42% |
| MIKE TERRY | P.O. BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $342 | $360 | $702 | 4.21% |
| MARGARET C TERRY Filed as: MARGARET C. TERRY | P.O. BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $341 | $139 | $480 | 2.88% |
| BART GAUNT | 4021 ST GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40222 | UNUM LIFE INSURANCE COMPANY OF AMER | $304 | — | $304 | 16.41% |
| CSO | 1212 N 96TH STREET OMAHA, NE 68114 | BOSTON MUTUAL LIFE INSURANCE COMPANY | — | $50 | $50 | 3.31% |
| FARMERS CAPITAL INSURANCE CORP | 22 W MAIN ST, STE 100 FRANKFORT, KY 40601 | BOSTON MUTUAL LIFE INSURANCE COMPANY | — | $39 | $39 | 2.58% |
| ROBERT BAYS | 1516 LOUISVILLE ROAD FRANKFORT, KY 40601 | BOSTON MUTUAL LIFE INSURANCE COMPANY | — | $4 | $4 | 0.26% |
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 | 235 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC. | 77 | $696K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $52K |
| Vision | THE DENTAL CONCERN, INC. | 180 | $23K |
| Life insurance(4 contracts, 4 carriers) | HUMANA INSURANCE COMPANY OF KENTUCKY | 196 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.