| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC Filed as: FIRST INSURANCE GROUP FRANKFORT | PO BOX 1630 SOMERSET, KY 42502 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $29K | $1K | $30K | 2.31% |
| INSGROUP INC Filed as: FIRST INSURANCE GROUP FRANKFORT | PO BOX 1630 SOMERSET, KY 42502 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 4.99% |
| AP WHOLESALE INSURANCE SERVICES LLC | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $7K | $2K | $10K | 19.86% |
| INSGROUP INC Filed as: FIRST INSURANCE GROUP FRANKFORT | 1510 LOUSIVLLE ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 22.53% |
| MIKE TERRY | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $647 | $100 | $747 | 1.89% |
| MARGARET C TERRY Filed as: MARGARET C. TERRY | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $635 | $47 | $682 | 1.73% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES M BENNETT | PO BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $0 | $176 | 0.45% |
| KARL PATRICK LEE | 381 JOHNNY DRIVE #A SCIENE HILL, KY 42553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | $0 | $157 | 0.40% |
| DILLARD DURAN SPARKMAN | 99 ROYAL MELBOURNE LANE JENKINS, KY 41537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.03% |
| GLEN ESTES | 201 BELLEFONTE CT SIMPSONVILLE, KY 40067 | AFLAC | $224 | — | $224 | 2.74% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: PHIL BROWN INS AGCY INC | 9300 SHELBYVILLE RD STE 1004 LOUISVILLE, KY 40222 | AFLAC | $167 | — | $167 | 2.04% |
| KAREN L ESTES Filed as: KAREN ESTES | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $133 | — | $133 | 1.63% |
| MARK GALVIN LLC | 204 DEERFIELD HILLS RD ELIZABETHTOWN, KY 42701 | AFLAC | $130 | — | $130 | 1.59% |
| BROCK POWELL | 1763 FIDDLERS RODGE DR FLEMING ISLAND, FL 32003 | AFLAC | $72 | — | $72 | 0.88% |
| R AARON WRIGHT | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $62 | — | $62 | 0.76% |
| REBECCA ANN DOEPKE | 6312 MISTFLOWER CIR PROSPECT, KY 40059 | AFLAC | $32 | — | $32 | 0.39% |
| ALLISON JONES LUCKETT | 10610 WATTERSON CENTER CT STE 102 LOUISVILLE, KY 40299 | AFLAC | $27 | — | $27 | 0.33% |
| SUSAN PEARCY | 2011 FRANKFORT AVE UNIT 313 LOUISVILLE, KY 40206 | AFLAC | $17 | — | $17 | 0.21% |
| CLIFFORD FRANKLIN BROOKS | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $16 | — | $16 | 0.20% |
| DENNIS HARTIN | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $14 | — | $14 | 0.17% |
| BRADLEY L ELLIS | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $4 | — | $4 | 0.05% |
| BRIAN GRAHAM INC Filed as: BRIAN M GRAHAM | 903 TAMARISK CT LOUISVILLE, KY 40223 | AFLAC | $1 | — | $1 | 0.01% |
| BRIAN GRAHAM INC | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | AFLAC | $1 | — | $1 | 0.01% |
| CSO | 1212 N 96TH STREET OMAHA, NE 68114 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $28 | — | $28 | 3.71% |
| FARMERS CAPITAL INSURANCE CORP | 22 W MAIN ST, STE 100 FRANKFORT, KY 40601 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $21 | — | $21 | 2.79% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 186 | $1.3M |
| Dental | DELTA DENTAL OF KENTUCKY | 342 | $70K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 186 | $1.3M |
| Life insurance(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY (G1400) | 217 | $89K |
| Long-term disability | AFLAC | 11 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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."
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.