| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH AMERICA ADMINISTRATORS, LP3 Filed as: NORTH AMERICA ADMINISTRATORS | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | COMPANION LIFE INSURANCE COMPANY | $16K | — | $16K | 5.26% |
| CREECH AND STAFFORD INS AGCY INC3 | 2416 SIR BARTON WAY STE 300 LEXINGTON, KY 40509 | ANTHEM HEALTH PLANS OF KENTUCKY | $12K | — | $12K | 16.14% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE AGCY | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY | $1K | — | $1K | 1.77% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE AGCY | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY | $3K | — | $3K | 6.67% |
| CREECH AND STAFFORD INS AGCY INC3 | 2416 SIR BARTON WAY STE 300 LEXINGTON, KY 40509 | ANTHEM HEALTH PLANS OF KENTUCKY | $3K | — | $3K | 5.14% |
| CREECH AND STAFFORD INS AGCY INC3 | 2416 SIR BARTON WAY STE 300 LEXINGTON, KY 40509 | ANTHEM HEALTH PLANS OF KENTUCKY | $7K | — | $7K | 16.30% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE AGCY | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY | $809 | — | $809 | 1.79% |
| MARY DUFF3 | 176 PASADENA DRIVE LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1K | — | $1K | 2.80% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $549 | — | $549 | 1.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGY | 3931 S DIXIE DRIVE DAYTON, OH 45439 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $215 | — | $215 | 0.56% |
| DARRELL L PATTON INSURANCE, INC.3 Filed as: DARRELL PATTON | PO BOX 925 PRESTONBURG, KY 41653 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $167 | — | $167 | 0.44% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $106 | — | $106 | 0.28% |
| ANNE OWENS3 | 1516 DEER LAKE DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $101 | — | $101 | 0.27% |
| FINCH INSURANCE GROUP LLC3 Filed as: FINCH INSURANCE GROUP | 3136 HYDE PARK DRIVE LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $99 | — | $99 | 0.26% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE AGEN | 2416 SIR BARTON WAY STE 300 LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $96 | — | $96 | 0.25% |
| LERMAN VENTURES INC3 Filed as: LERMAN VENTURES | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $89 | — | $89 | 0.23% |
| LISA R GRAVES3 | 1400 GLENNS CREEK RD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $66 | — | $66 | 0.17% |
| BART GAUNT3 | 4021 ST GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $41 | — | $41 | 0.11% |
| MARK HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $31 | — | $31 | 0.08% |
| CATHY M LERMAN3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $9 | — | $9 | 0.02% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $3 | — | $3 | 0.01% |
| CAROL LAMB3 | 309 FOX HARBOUR DRIVE LEXINGTON, KY 40517 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2 | — | $2 | 0.01% |
| MICHAEL J BOONE3 | 1302 CLEAR SPRINGS TRACE LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1 | — | $1 | 0.00% |
| THOMAS A MORRIS AND ASSOC INC3 | 2322 PATCHEN WILKES DRIVE LEXINGTON, KY 40509 | AFLAC | $936 | — | $936 | 7.60% |
| CREECH AND STAFFORD INS AGCY INC3 | 2416 SIR BARTON WAY STE 300 LEXINGTON, KY 40509 | AFLAC | $419 | — | $419 | 3.40% |
| LAURA BETH KELLER3 Filed as: LAURA KELLER | 2220 EXECUTIVE DR SUITE 204 LEXINGTON, KY 40505 | AFLAC | $105 | — | $105 | 0.85% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $103 | — | $103 | 0.84% |
| KEITH FRIZZELL3 | 1795 ALYSHEBA WAY STE 1204 LEXINGTON, KY 40509 | AFLAC | $81 | — | $81 | 0.66% |
| LAURA J NEWMAN-SUTER3 | 414 CHINOE RD LEXINGTON, KY 40502 | AFLAC | $58 | — | $58 | 0.47% |
| CAREN OSTROWSKI3 | 100 CLAY AVE GEORGETOWN, KY 40324 | AFLAC | $51 | — | $51 | 0.41% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $44 | — | $44 | 0.36% |
| RUEANN EMERSON3 | 4820 LAKE BROOK DR STE 125 STE 100 GLEN ALLEN, VA 23080 | AFLAC | $24 | — | $24 | 0.19% |
| R AARON WRIGHT3 Filed as: R. AARON WRIGHT | 9200 SHELBYVILLE RD, SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $21 | — | $21 | 0.17% |
| JOSHUA C BURTON3 | 4550 MARSHALL RUN CIR, APT 308 GLEN ALLEN, VA 23059 | AFLAC | $21 | — | $21 | 0.17% |
| CURTIS SCHWARTZ3 Filed as: CURTIS SCHWARTZ ENTERPRISES INC | 281 LINCOLN AVE STE 100 LEXINGTON, KY 40502 | AFLAC | $1 | — | $1 | 0.01% |
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 | 920 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY | 651 | $75K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY | 508 | $45K |
| Life insurance(4 contracts, 4 carriers) | COMPANION LIFE INSURANCE COMPANY | 695 | $395K |
| Other | AFLAC | 21 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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.