| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HINTON AGENCY LLC3 | 121 EAST ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $354 | $9K | 7.28% |
| LESLIE ANN FEATHERLY3 | 3022 HELENA ROAD FLEMMINGSBURG, KY 41041 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 7.08% |
| THE BARDELL AGENCY3 | 424 CUNNINGHAM LANE LEXINGTON, KY 40508 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $131 | $2K | 1.90% |
| PENA ENTERPRISES INC3 Filed as: PENA ENTERPRISES INC. | 2212 BELMONT DR LEXINGTON, KY 40516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $54 | $2K | 1.87% |
| MARY DUFF3 | 1005 RICHMOND RD LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $160 | $0 | $160 | 0.12% |
| REGINA SCHMUTTE3 | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $117 | $0 | $117 | 0.09% |
| AMY BOWMAN3 | 6214 SULPHUR WELL NICHOLASVILLE, KY 40356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $115 | $0 | $115 | 0.09% |
| ROBERT BERNARD SCHMUTTE3 | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $92 | $0 | $92 | 0.07% |
| LISA GRAVES3 | 1400 GLENNS CREEK RD FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.05% |
| VANCE NEAL MICHAEL3 | 2525 SPRING VALLEY LOOP LEXINGTON, KY 40511 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.04% |
| ANNE OWENS3 | 550 DAVISTOWN RD MIDWAY, KY 40347 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.03% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS LLC | 2785 MAYFIELD HWY BENTON, KY 42025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.02% |
| VICKIE E LEWIS3 | 6558 STOVALL RD CAVE CITY, KY 42127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.02% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.02% |
| ANDREW THOMAS DONOHOO3 | 2250 HAL DR MURRAY, KY 42071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.02% |
| SUZZANE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.01% |
| CHRISTOPHER LEE HOWARD3 | 2964 SANDERSVILLE RD LEXINGTON, KY 40511 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| LAURA SUMIE CELIS GAMAS3 | 321 E CHARLESTOWN AVE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.01% |
| THE HINTON AGENCY LLC3 | 121 E ELECTRIC AVE FLEMINGSBURG, KY 41041 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 11.94% |
| LESLIE ANN FEATHERLY3 Filed as: LESLIE A FEATHERLY | 3022 HELENA RD FLEMINGSBURG, KY 41041 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 11.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | $0 | $2K | 10.06% |
| COMPREHENSIVE BUSINESS INSURANCE3 Filed as: COMPREHENSIVE BUSINESS INS SOLUTION | PO BOX 1485 CORBIN, KY 40702 | ANTHEM LIFE INSURANCE COMPANY | $835 | $0 | $835 | 14.50% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 198 | $17K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 198 | $117K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 198 | $111K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 198 | $111K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 198 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.