| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LESLIE ANN FEATHERLY3 | 3022 HELENA ROAD FLEMMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $3K | $11K | 11.66% |
| THE HINTON AGENCY LLC3 | 121 EAST ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $1K | $11K | 11.63% |
| REGINA SCHMUTTE3 | 851 CHARWOOD DR LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $588 | $4K | $5K | 5.12% |
| SHAWNALINE JACKSON3 | 421 HANSON STREET PARIS, KY 40361 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $558 | $2K | 2.67% |
| ROBERT BERNARD SCHMUTTE3 | 851 CHARWOOD DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $152 | $2K | 1.67% |
| SARAH BARDELL3 | 2132 LIGHTHOUSE LANE LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $231 | $2K | 1.63% |
| CHRISTINA STEPHENSON3 | 344 MEMORY LANE LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $716 | $119 | $835 | 0.90% |
| DANNY KYLE PRATER3 | P.O. BOX 281 TOLLESBORO, KY 41189 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | $232 | $417 | 0.45% |
| ANY BOWMAN3 | 6214 SULPHUR WELL NICHOLASVILLE, KY 40356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $372 | $0 | $372 | 0.40% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $346 | $1 | $347 | 0.37% |
| EMPLOY BENEFIT SOLUTIONS, LLC3 | 2785 MAYFIELD HWY BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $21 | $175 | 0.19% |
| ANNE OWENS3 | 1516 DEER LAKE DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | $0 | $160 | 0.17% |
| VANCE NEAL MICHAEL3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $0 | $143 | 0.15% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $0 | $121 | 0.13% |
| ANDREW THOMAS DONOHOO3 | 515 SHADY LANE MURRAY, KY 40271 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $4 | $99 | 0.11% |
| VICKIE E LEWIS3 | 6558 STOVALL RD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $2 | $87 | 0.09% |
| SUZANNE BRATTON TUCKER3 | P.O. BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.08% |
| PENA ENTERPRISES INC3 Filed as: PENA ENTERPRISES, INC | 3288 SWEET CLOVER LANE LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $9 | $73 | 0.08% |
| KATHERINE MCCORMICK3 | P.O. BOX 95 DUNBAR, WV 25064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $0 | $63 | 0.07% |
| NORMA J DAVIS3 Filed as: NORMA J. DAVIS | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $2 | $44 | 0.05% |
| MOUNTAIN STATE EMPLOYEE BENEFITS3 Filed as: MOUNTAIN STATE EMPLOYEE BENEFITS, L | 103 6TH AVE ST SLBANS, WV 25177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| SHANA A COOPER3 | 407 WICKFIELD DRIVE LOUISVILLE, KY 40245 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| BOBBIE J WHITTAKER3 Filed as: BOBBIE J. WHITAKER | 2530 SCOTTSVILLE ROAD BOWLING GREEN, KY 42014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.01% |
| BOBBIE J WHITTAKER3 Filed as: BOBBIE J. WHITAKER | 2530 SCOTTSVILLE ROAD BOWLING GREEN, KY 42014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.01% |
| BOBBIE J WHITTAKER3 Filed as: BOBBIE J. WHITAKER | 2530 SCOTTSVILLE ROAD BOWLING GREEN, KY 42014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.01% |
| BART GAUNT3 | 4021 ST GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY, INC. | P.O. BOX 55268 LEXINGTON, KY 40555 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $1K | $0 | $1K | 7.31% |
| COMPREHENSIVE BUSINESS INSURANCE3 Filed as: COMPREHENSIVE BUSINESS INS SOLUTION | P.O. BOX 1485 CORBIN, KY 40702 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $417 | $0 | $417 | 2.43% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY, INC. | P.O. BOX 55268 LEXINGTON, KY 40555 | ANTHEM LIFE INSURANCE COMPANY | $582 | $0 | $582 | 11.16% |
| COMPREHENSIVE BUSINESS INSURANCE3 Filed as: COMPREHENSIVE BUSINESS INS SOLUTION | P.O. BOX 1485 CORBIN, KY 40702 | ANTHEM LIFE INSURANCE COMPANY | $200 | $0 | $200 | 3.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARC ADMINISTRATORS EIN 61-1237516 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services Service code 12 | 333 W. VINE STREET SUITE 1650 LEXINGTON, KY 40507 | $79K |
| COMPREHENSIVE BUSINESS INS SOLUTION BROKER | Consulting fees Service code 70 | P.O. BOX 1485 CORBIN, KY 40702 | $39K |
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 | 151 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 195 | $298K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 132 | $17K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 258 | $98K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 258 | $93K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 258 | $93K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 195 | $280K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 258 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.