| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPANION LIFE INSURANCE COMPANY3 | — | COMPANION LIFE INSURANCE COMPANY | — | $11K | $11K | 3.58% |
| LESLIE ANN FEATHERLY3 Filed as: LESLIE A. FEATHERLY | 3022 HELENA ROAD FLEMINGSBURG, KY 41041 | HARTFORD LIFE AND ACCIDENT | $15K | $0 | $15K | 10.00% |
| THE HINTON AGENCY LLC3 Filed as: THE HINTON AGENCY, LLC | P.O. BOX 106 FLEMINGSBURG, KY 41041 | HARTFORD LIFE AND ACCIDENT | $15K | $0 | $15K | 10.00% |
| THE HINTON AGENCY LLC3 Filed as: THE HINTON AGENCY, LLC | 121 EAST ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $13K | $23K | 19.94% |
| LESLIE ANN FEATHERLY3 | 3022 HELENA ROAD FLEMMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 11.14% |
| REGINA SCHMUTTE3 | 851 CHARWOOD DR LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $953 | $3K | $4K | 3.62% |
| SARAH BARDELL3 | 2132 LIGHTHOUSE LANE LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $117 | $3K | 2.37% |
| PENA ENTERPRISES INC3 Filed as: PENA ENTERPRISES, INC. | P.O. BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $157 | $2K | 1.36% |
| ROBERT BERNARD SCHMUTTE3 | 851 CHARWOOD DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $359 | $1K | 1.19% |
| LAURA SUMIE CELIS GAMAS3 | 321 E CHARLESTOWN AVE. JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $436 | $473 | $909 | 0.78% |
| SHAWNALINE JACKSON3 | 431 HANSON STREET PARIS, KY 40361 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $560 | — | $560 | 0.48% |
| DANNY KYLE PRATER3 | P.O. BOX 281 TOLLESBORO, KY 41189 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $378 | $170 | $548 | 0.47% |
| RTR AL CORP3 Filed as: RTR AI CORP. | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $360 | $37 | $397 | 0.34% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 0.22% |
| NICHOLAS VINSON3 | 423 CRESCENT RIDGE DRIVE TAYLORSVILLE, KY 40071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $129 | $195 | 0.17% |
| CHRISTINA STEPHENSON3 | 344 MEMORY LANE LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | — | $195 | 0.17% |
| AMY BOWMAN3 | 6214 SULPHER WELL NICHOLASVILLE, KY 40356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | — | $189 | 0.16% |
| JEFFREY D HARNED3 Filed as: JEFFREY D. HARNED | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $68 | $122 | 0.10% |
| ANNE OWENS3 | 1516 DEER LAKE DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.10% |
| VANCE NEAL MICHAEL3 | 1005 RICHMOND RD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.08% |
| LISA R GRAVES3 Filed as: LISA R. GRAVES | 1400 GLENNS CREEK RD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.07% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS, LLC | 2785 MAYFIELD HWY BENTON, KY 42025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.05% |
| SUZANNE BRATTON TUCKER3 | P.O. BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.05% |
| VICKIE E LEWIS3 Filed as: VICKIE E. LEWIS | 6558 STOVALL RD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.05% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.03% |
| ANDREW THOMAS DONOHOO3 | 515 SHADY LANE MURRAY, KY 42071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.03% |
| NORMA J DAVIS3 Filed as: NORMA J. DAVIS | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY, INC. | P.O. BOX 55268 LEXINGTON, KY 40555 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | $0 | $2K | 9.77% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY, INC. | P.O. BOX 55268 LEXINGTON, KY 40555 | ANTHEM LIFE INSURANCE COMPANY | $859 | $0 | $859 | 14.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARCORP, INC EIN 26-3574861 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 333 WEST VINE STREET SUITE 900 LEXKINGTON, KY 40507 | $95K |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 254 | $20K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 245 | $275K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 245 | $269K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 190 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.