| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY | $23K | — | $23K | 8.25% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY | $5K | — | $5K | 8.07% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | AFLAC | $7K | — | $7K | 11.70% |
| THOMAS A MORRIS AND ASSOC INC3 | 2322 PATCHEN WILKES DR LEXINGTON, KY 40509 | AFLAC | $5K | $508 | $5K | 9.02% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $2K | — | $2K | 3.33% |
| CAREN OSTROWSKI3 | 3167 CUSTER DR STE 104 LEXINGTON, KY 40517 | AFLAC | $1K | $431 | $2K | 2.86% |
| LAURA BETH KELLER3 | 2220 EXECUTIVE DR STE 204 LEXINGTON, KY 40505 | AFLAC | $965 | $338 | $1K | 2.22% |
| TYLER DECKER3 | 4325 COBBLESTONE KNOLL DR LEXINGTON, KY 40515 | AFLAC | $830 | $273 | $1K | 1.88% |
| DEBRA SMART3 | 605 AUTUMNWOOD DRIVE RICHMOND, KY 40475 | AFLAC | $697 | $320 | $1K | 1.73% |
| LINDSEY HOSKINS3 | 782 VERMILLION PEAK PASS LEXINGTON, KY 40515 | AFLAC | $415 | $129 | $544 | 0.93% |
| CREECH AND STAFFORD INS AGCY INC3 Filed as: CREECH & STAFFORD INS AGENCY INC | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | AFLAC | $175 | — | $175 | 0.30% |
| VONDA BLANCETT3 | 3529 WILLOW SPG LEXINGTON, KY 40509 | AFLAC | $58 | $26 | $84 | 0.14% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $50 | — | $50 | 0.09% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN JONES | 468 KECK CHURCH RD GRAY, KY 40734 | AFLAC | $50 | — | $50 | 0.09% |
| LAURA J NEWMAN-SUTER3 | 414 CHINOE RD LEXINGTON, KY 40502 | AFLAC | $42 | — | $42 | 0.07% |
| VICTORIA KENLEY3 | 9175 FORKLAND RD JUNCTION CITY, KY 40440 | AFLAC | $28 | $13 | $41 | 0.07% |
| TYLER DECKER3 | 430 ENGINEER ST CORBIN, KY 40701 | AFLAC | $30 | — | $30 | 0.05% |
| LINDSEY HOSKINS3 | 912 HAMMOCK OAK LN LEXINGTON, KY 40515 | AFLAC | $30 | — | $30 | 0.05% |
| RAYE ANN THOMAS3 | 1600 JACKS CREEK PIKE LEXINGTON, KY 40515 | AFLAC | $26 | — | $26 | 0.04% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK RD LONDON, KY 40741 | AFLAC | $21 | — | $21 | 0.04% |
| MARY CARMELA BERARDI3 | 1795 ALYSHEBA WAY STE 1204 LEXINGTON, KY 40509 | AFLAC | $15 | $5 | $20 | 0.03% |
| COLE CASTLEBERRY3 | 175 N LOCUST HILL DR APT 1102 LEXINGTON, KY 40509 | AFLAC | $19 | — | $19 | 0.03% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD STE 605 LOUISVILLE, KY 40222 | AFLAC | $16 | — | $16 | 0.03% |
| DEBORAH MCGREGOR ADDESSI3 | 1488 LEESTOWN RD LEXINGTON, KY 40511 | AFLAC | $14 | — | $14 | 0.02% |
| DALE I DAVIS3 | 1856 TRAVELLER RD LEXINGTON, KY 40504 | AFLAC | $12 | — | $12 | 0.02% |
| RUEANN EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $10 | — | $10 | 0.02% |
| BRIAN S MARTIN3 | 3280 BLAZER PARKWAY STE 201 LEXINGTON, KY 40509 | AFLAC | $10 | — | $10 | 0.02% |
| SUSAN M. HINKLE3 Filed as: SUSAN M HINKLE | 283 HYDE PARK LN CORBIN, KY 40701 | AFLAC | $10 | — | $10 | 0.02% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $5 | — | $5 | 0.01% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD STE 605 LOUISVILLE, KY 40222 | AFLAC | $5 | — | $5 | 0.01% |
| BRADLEY L ELLIS3 | 1500 BEVILLE RD STE 606 # 327 DAYTONA BEACH, FL 32114 | AFLAC | $4 | — | $4 | 0.01% |
| DAVID A EMERSON3 | 11551 NUCKOLS RD STE P GLEN ALLEN, VA 23059 | AFLAC | $3 | — | $3 | 0.01% |
| DAVID A EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM LIFE INSURANCE COMPANY | $8K | $2K | $9K | 16.88% |
| MARY DUFF3 | 1005 RICHMOND RD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $946 | — | $946 | 2.55% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE ROAD GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $493 | — | $493 | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGY | 3931 S DIXIE DRIVE DAYTON, OH 45439 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $200 | — | $200 | 0.54% |
| DARRELL L PATTON INSURANCE, INC.3 Filed as: DARRELL L. PATTON | PO BOX 925 PRESTONBURG, KY 41653 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $152 | — | $152 | 0.41% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $116 | — | $116 | 0.31% |
| ANNE OWENS3 | 550 DAVISTOWN RD MIDWAY, KY 40357 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $85 | — | $85 | 0.23% |
| LVI BENEFITS SERVICES LLC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $69 | — | $69 | 0.19% |
| LISA R GRAVES3 | 1400 GLENNS CREEK RD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $58 | — | $58 | 0.16% |
| JEFFREY ALAN BOSTON3 | 9700 STRUEH HENDRICKS RD EVANSVILLE, IN 47712 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $55 | — | $55 | 0.15% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS GROUP INC | 4021 ST GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $41 | — | $41 | 0.11% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $28 | — | $28 | 0.08% |
| 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 | $3 | — | $3 | 0.01% |
| ROBERT C RUSSELL3 | 6960 HWY 500 OWENSBORO, KY 42301 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2 | — | $2 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM LIFE INSURANCE COMPANY | $4K | $917 | $4K | 16.87% |
| KERRY KIMBROUGH3 Filed as: KERRY D KIMBROUGH | PO BOX 23582 LEXINGTON, KY 40523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | — | $86 | 5.08% |
| LESLIE K KIMBROUGH3 | PO BOX 623557 OVIEDO, FL 32762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 1.42% |
| SARAH BARDELL3 Filed as: SARAH K BARDELL | 381 S UPPER ST #1 LEXINGTON, KY 40508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 1.18% |
| RUEANN M EMERSON3 | 225 SOMERSLY PLACE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.59% |
| POWELL ENTERPRISES LLC3 | 125 PLANTATOIN CENTRE DR #900B MACON, GA 31210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.24% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.06% |
| BRIAN S MARTIN3 | 3280 BLAZER PARKWAY STE 201 LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.06% |
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 | 1,202 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY | 870 | $283K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY | 663 | $68K |
| Life insurance(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 872 | $93K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 129 | $26K |
| Other | AFLAC | 72 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 872 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.