| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | HARTFORD LIFE AND ACCIDENT | $20K | $0 | $20K | 17.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 1.14% |
| THE HINTON AGENCY LLC3 | 121 E ELECTRIC AVE FLEMINGSBURG, KY 41041 | HARTFORD LIFE AND ACCIDENT | $919 | $0 | $919 | 0.81% |
| LESLIE ANN FEATHERLY3 Filed as: LESLIE A FEATHERLY | 3022 HELENA RD FLEMINGSBURG, KY 41041 | HARTFORD LIFE AND ACCIDENT | $919 | $0 | $919 | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NCY LLC MARSH & MCLENNAN AGE | 360 EAST VINE STREET SUITE 200 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 15.60% |
| JAIME HUTTON3 | 1020 MONTROSE DR GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 6.03% |
| PAMELA ROWSEY LARSON3 | 801 LAUDERDALE DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 5.89% |
| REGINA G CALDWELL3 | 2043 SINKING CREEK ROAD LONDON, KY 40741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 5.12% |
| TYLER A DECKER3 | 4325 COBBLESTON E KNOLL DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.45% |
| CHRISTINA A WEYLS3 | 422 JACK TURNER WAY LANCASTER, KY 40444 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.27% |
| KERRY KIMBROUGH3 Filed as: KERRY D KIMBROUGH | P.O. BOX 23582 LEXINGTON, KY 40523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.62% |
| ROBERT BAYS3 Filed as: ROBERT STORY | 215 GEMINI TRAIL GEORGETOWN, KY 40324 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.23% |
| MARK C LAMAR3 | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $456 | $0 | $456 | 0.55% |
| SUSAN M. HINKLE3 Filed as: SUSAN M HINKLE | 283 HYDE PARK LANE CORBIN, KY 40701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | $0 | $143 | 0.17% |
| REBEKAH SMALLWOOD3 Filed as: REBEKAH L SMALLWOOD | 561 BUCKFIELD RD PIKEVILLE, KY 41501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | $0 | $83 | 0.10% |
| LAURA BETH KELLER3 Filed as: LAURA B KELLER | 2220 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | $0 | $69 | 0.08% |
| ANDREA HARPER3 | 1294 LITTLE ROBINSON CREEK VIRGIE, KY 41572 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | $0 | $50 | 0.06% |
| LESLIE ANN FEATHERLY3 | 3022 HELENA ROAD FLEMMINGSBURG, KY 41041 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 6.66% |
| THE HINTON AGENCY LLC3 | 121 EAST ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 6.66% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 70 WEST POINT, GA 31833 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $159 | $2K | 2.47% |
| THE BARDELL AGENCY3 | 424 CUNNINGHAM LANE LEXINGTON, KY 40508 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $107 | $1K | 2.01% |
| PENA ENTERPRISES INC3 Filed as: PENA ENTERPRISES INC. | 2212 BELMONT DR LEXINGTON, KY 40516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $481 | $0 | $481 | 0.74% |
| MARY DUFF3 | 1005 RICHMOND RD LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $117 | $0 | $117 | 0.18% |
| REGINA SCHMUTTE3 | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $0 | $80 | 0.12% |
| ROBERT BERNARD SCHMUTTE3 | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $0 | $63 | 0.10% |
| LISA GRAVES3 | 1400 GLENNS CREEK RD FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 0.08% |
| VANCE NEAL MICHAEL3 | 2525 SPRING VALLEY LOOP LEXINGTON, KY 40511 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.06% |
| ANNE OWENS3 | 550 DAVISTOWN RD MIDWAY, KY 40347 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.05% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS LLC | 2785 MAYFIELD HWY BENTON, KY 42025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.04% |
| VICKIE E LEWIS3 | 6558 STOVALL RD CAVE CITY, KY 42127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.03% |
| RTR AL CORP3 | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.03% |
| ANDREW THOMAS DONOHOO3 | 2250 HAL DR MURRAY, KY 42071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.02% |
| SUZZANE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.02% |
| MICHELLE MUELLER LEA3 | 6070 BRANDON RUN BRADENTON, FL 34211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $3 | $12 | 0.02% |
| LAURA SUMIE CELIS GAMAS3 | 321 E CHARLESTOWN AVE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| JARRET THOMAS HONAHAN3 | 3905 TAMPA ROAD OLDSMAR, FL 34977 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 0.01% |
| CHRISTOPHER LEE HOWARD3 | 2964 SANDERSVILLE RD LEXINGTON, KY 40511 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INS BENEFITS INC | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MONICA M DEAN3 | 1855 EVERGREEN LANE ALPHARETTA, GA 30009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | $128 | $2K | 10.58% |
| COMPREHENSIVE BUSINESS INSURANCE3 Filed as: COMPREHENSIVE BUSINESS INS SOLUTION | PO BOX 1485 CORBIN, KY 40702 | ANTHEM LIFE INSURANCE COMPANY | $850 | $0 | $850 | 14.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $452 | $0 | $452 | 10.28% |
| COMPREHENSIVE BUSINESS INSURANCE3 Filed as: COMPREHENSIVE BUSINESS SOLUTIONS | PO BOX 1485 CORBIN, KY 40702 | ANTHEM LIFE INSURANCE COMPANY | $204 | $0 | $204 | 15.02% |
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 | 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 |
|---|---|---|---|
| Vision(2 contracts) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 216 | $23K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 174 | $122K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 174 | $114K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 174 | $114K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 273 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.