| 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 INSURANCE COMPANY OF KENTUCKY | $39K | — | $39K | 4.70% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & CO - WIS LLC | 360 E VINE STREET LEXINGTON, KY 40507 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $597 | $4K | 6.95% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40222 | AFLAC | $498 | — | $498 | 1.97% |
| GLEN ESTES | P.O. BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $462 | — | $462 | 1.83% |
| KAREN L ESTES Filed as: KAREN L. ESTES | P.O. BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $409 | — | $409 | 1.62% |
| MARK GALVIN LLC Filed as: MARK GALVIN | 204 DEERFIELD HILL ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $400 | — | $400 | 1.58% |
| POWELL ENTERPRISES LLC Filed as: POWELL ENTERPRISES, LLC | 125 PLANTATION CENTRE DR S STE 900 MACON, GA 31210 | AFLAC | $204 | — | $204 | 0.81% |
| R WRIGHT | 9200 SHELBYVILLE ROAD, STE 605 LOUISVILLE, KY 40222 | AFLAC | $180 | — | $180 | 0.71% |
| REBECCA A DEFERRARO | 418 WALLACE AVE LOUISVILLE, KY 40207 | AFLAC | $134 | — | $134 | 0.53% |
| SUSAN PEARCY | P.O. BOX 6574 LOUISVILLE, KY 40206 | AFLAC | $111 | — | $111 | 0.44% |
| ALLISON JONES LUCKETT | 5224 PEBBLE CREEK PLACE LOUISVILLE, KY 40241 | AFLAC | $85 | — | $85 | 0.34% |
| NATHANIEL Y HAGGARD Filed as: NATHANIEL HAGGARD | 1602 HELMRIDGE COURT LOUISVILLE, KY 40222 | AFLAC | $51 | — | $51 | 0.20% |
| MARTA L MCMACKIN | 4138 TRADITION WAY LEXINGTON, KY 40509 | AFLAC | $20 | — | $20 | 0.08% |
| AKERS ENTERPRISES LLC | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | AFLAC | $18 | — | $18 | 0.07% |
| KEITH FRIZZELL | 1795 ALYSHEBA WAY STE 1204 LEXINGTON, KY 40509 | AFLAC | $16 | — | $16 | 0.06% |
| BRADLEY L ELLIS | 7713 INDEPENDENCE PL CRESTWOOD, KY 40014 | AFLAC | $14 | — | $14 | 0.06% |
| CLIFFORD FRANKLIN BROOKS Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE ROAD STE 605 LOUISVILLE, KY 40222 | AFLAC | $10 | — | $10 | 0.04% |
| WILLIAM E MOLONEY Filed as: WILLIAM STACK RUCH | 2560 RICHMOND ROAD, SUITE 200 LEXINGTON, KY 40509 | AFLAC | $9 | — | $9 | 0.04% |
| PAULA GAIL NEAL Filed as: PAULA C. CUTTER | 1795 ALYSHEBA WAY STE 1204 LEXINGTON, KY 40509 | AFLAC | $8 | — | $8 | 0.03% |
| DENNIS HARTIN | 14506 MIRASOL MANOR CT APT 202 TAMPA, FL 33626 | AFLAC | $8 | — | $8 | 0.03% |
| BRIAN GRAHAM INC | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | AFLAC | $7 | — | $7 | 0.03% |
| THERESA J SMITH Filed as: THERESA J. SMITH | 3521 HURSTBOURNE RIDGE BLVD LOUISVILLE, KY 40299 | AFLAC | $7 | — | $7 | 0.03% |
| RUEANN EMERSON | 4820 LAKE BROOK DR STE 125 GLEN ALLEN, VA 23060 | AFLAC | $3 | — | $3 | 0.01% |
| KRISTIANNA J FLY Filed as: KRISTIANNA FLY | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $0 | — | $0 | 0.00% |
| DAVID EMERSON | 4820 LAKE BROOK DR STE 125 GLEN ALLEN, VA 23060 | AFLAC | — | $0 | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES M. BENNETT | P.O. BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 13.20% |
| ROBERT BAYS | 1516 LOUISVILLE ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $950 | — | $950 | 5.55% |
| MIKE TERRY | P.O. BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | $118 | $315 | 1.84% |
| MARGARET C TERRY Filed as: MARGARET C. TERRY | P.O. BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $13 | $209 | 1.22% |
| BART GAUNT | 4021 ST GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| CSO | 1212 N 96TH STREET OMAHA, NE 68114 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $45 | — | $45 | 3.42% |
| FARMERS CAPITAL INSURANCE CORP | 22 W MAIN ST, STE 100 FRANKFORT, KY 40601 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $35 | — | $35 | 2.66% |
| ROBERT BAYS | 1516 LOUISVILLE ROAD FRANKFORT, KY 40601 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.15% |
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 | 344 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY OF KENTUCKY | 199 | $865K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $60K |
| Vision | HUMANA INSURANCE COMPANY OF KENTUCKY | 199 | $840K |
| Life insurance(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY OF KENTUCKY | 199 | $859K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.