| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HINTON AGENCY LLC3 Filed as: THE HINTON AGENCY, LLC | P.O. BOX 106 FLEMINGSBURT, KY 41041 | HARTFORD LIFE AND ACCIDENT | $1.1M | $872K | $2.0M | 1791.64% |
| LESLIE ANN FEATHERLY3 Filed as: LESLIE FEATHERLY | 134 SUNNINGDALE DR. GEORGETOWN, KY 40324 | HARTFORD LIFE AND ACCIDENT | $1.1M | — | $1.1M | 1000.12% |
| LESLIE ANN FEATHERLY3 | 134 SUNNINGDALE DRIVE GEORGETOWN, KY 40324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $751 | $38 | $789 | 1.37% |
| MELISSA ANN HINTON3 | 121 EAST ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $588 | $5 | $593 | 1.03% |
| KATHERINE MCCORMICK3 | P.O. BOX 95 DUNBAR, WV 25064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | $0 | $216 | 0.37% |
| SARAH BARDELL3 | 2554 CRUSADERS WAY LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | $63 | $200 | 0.35% |
| AMY BOWMAN3 | 6214 SULPHUR WELL NICHOLASVILLE, KY 40356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | $45 | $185 | 0.32% |
| VICKIE E LEWIS3 Filed as: VICKIE E. LEWIS | 6558 STOVALL RD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $20 | $117 | 0.20% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS, LLC | 2785 MAYFIELD HIGHWAY BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $24 | $95 | 0.16% |
| VANCE NEAL MICHAEL3 | 176 PASADENA DRIVE LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.13% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $3 | $75 | 0.13% |
| MARY DUFF3 | 176 PASADENA DRIVE LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.11% |
| NORMA J DAVIS3 Filed as: NORMA J. DAVIS | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $24 | $55 | 0.10% |
| REGINA SCHMUTTE3 | 851 CHARWOOD DR. LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $7 | $53 | 0.09% |
| THE HINTON AGENCY LLC3 Filed as: THE HINTON AGENCY, LLC | P.O. BOX 106 FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.06% |
| MOUNTAIN STATE EMPLOYEE BENEFITS3 | 103 6TH AVE ST ALBANS, WV 25064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $5 | $37 | 0.06% |
| LISA R GRAVES3 | 1400 GLENNS CREEK RD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.04% |
| DANNY KYLE PRATER3 | P.O. BOX 601 PAINTSVILLE, KY 41240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $2 | $23 | 0.04% |
| BART GAUNT3 | 4021 ST GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $6 | $11 | 0.02% |
| ANNE OWENS3 | 1516 DEAR LAKE DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| BOBBIE J WHITTAKER3 Filed as: BOBBIE J. WHITTAKER | 2530 SCOTTSVILLE ROAD BOLLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| COMPREHENSIVE BUSINESS INSURANCE3 Filed as: COMPREHENSIVE BUSINESS INS SOLUTION | P.O. BOX 1485 CORBIN, KY 40702 | ANTHEM HEALTH PLANS OF KY, INC. | $638 | — | $638 | 1.43% |
| ARCORP LLC3 | 333 W. VINE STREET STE 1650 LEXINGTON, KY 40507 | ANTHEM HEALTH PLANS OF KY, INC. | $62 | — | $62 | 0.14% |
| LESLIE ANN FEATHERLY3 | 134 SUNNINGDALE DRIVE GEORGETOWN, KY 40324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $116 | $2K | 12.72% |
| MELISSA ANN HINTON3 | 121 EAST ELECTRIC AVENUE FLRMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $17 | $2K | 9.84% |
| AMY BOWMAN3 | 6214 SULPHUR WELL NICHOLASVILLE, KY 40356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $543 | $201 | $744 | 3.90% |
| MARY DUFF3 | 176 PASADENA DRIVE LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $398 | $24 | $422 | 2.21% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $380 | $18 | $398 | 2.09% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS, LLC | 2785 MAYFIELD HIGHWAY BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | $92 | $359 | 1.88% |
| SARA BARDELL3 | 2554 CRUSADERS WAY LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $244 | $112 | $356 | 1.87% |
| SHANA A COOPER3 Filed as: SHANA A. COOPER | 407 WICKFIELD DRIVE LOUISVILLE, KY 40245 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $328 | — | $328 | 1.72% |
| ANDREW THOMAS DONOHOO3 | 515 SHADY LANE MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | — | $326 | 1.71% |
| VANCE NEAL MICHAEL3 | 176 PASADENA DRIVE LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $20 | $186 | 0.97% |
| ANNE OWENS3 | 1516 DEAR LAKE DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | — | $166 | 0.87% |
| SUZANNE BRATTON TUCKER3 | P.O. BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 0.64% |
| LISA R GRAVES3 Filed as: LISA R. GRAVES | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.57% |
| KATHERINE MCCORMICK3 | P.O. BOX 95 DUNBAR, WV 25064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.42% |
| NORMA J DAVIS3 Filed as: NORMA J. DAVIS | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $23 | $77 | 0.40% |
| THE HINTON AGENCY LLC3 Filed as: THE HINTON AGENCY, LLC | P.O. BOX 106 FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.23% |
| DANNY KYLE PRATER3 | P.O. BOX 601 PAINTSVILLE, KY 41240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $4 | $41 | 0.21% |
| VICKIE E LEWIS3 Filed as: VICKIE LEWIS | 6558 STOVALL RD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.19% |
| BOBBIE J WHITTAKER3 Filed as: BOBBIE J. WHITTAKER | 2530 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $1 | $32 | 0.17% |
| MOUNTAIN STATE EMPLOYEE BENEFITS3 | 103 6TH AVE ST ALBANS, WV 25177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $2 | $14 | 0.07% |
| BART GAUNT3 | 4021 ST GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $6 | $11 | 0.06% |
| COMPREHENSIVE BUSINESS INSURANCE Filed as: COMPREHENSIVE BUSINESS INSURANCE SO | P.O. BOX 1485 CORBIN, KY 40702 | ANTHEM LIFE INSURANCE COMPANY | $533 | — | $533 | 12.43% |
| ARCORP LLC | 333 W. VINE STREET STE 1650 LEXINGTON, KY 40507 | ANTHEM LIFE INSURANCE COMPANY | $107 | — | $107 | 2.50% |
| COMPREHENSIVE BUSINESS INSURANCE Filed as: COMPREHENSIVE BUSINESS INS. SOLUTIO | P.O. BOX 1485 CORBIN, KY 40702 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $330 | — | $330 | 9.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPREHENSIVE BUSINESS INS. SOLUTIO | Consulting (general) Service code 16 | P.O. BOX 1485 CORBIN, KY 40702 | $32K |
| ANTHEM HEALTH PLANS OF KY, INC. EIN 61-1237516 | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services Service code 12 | 1351 WM. HOWARD TAFT ROAD CINCINNATI, OH 45206 | $27K |
| ARCORP LLC EIN 61-1237516 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing Service code 12 | 333 W VINE STREET SUITE1650 LEXINGTON, KY 40507 | $23K |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 149 | $268K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 108 | $3K |
| Life insurance(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 189 | $191K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 189 | $110K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 149 | $268K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 189 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.