| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 360 EAST VINE STREET, STE 200 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35K | $0 | $35K | 17.02% |
| PAMELA ROWSEY LARSON3 | 801 LAUDERDALE DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 2.84% |
| ELLEN J BUNCH3 | 235 WOODS ROAD OLIVER SPRINGS, TX 37840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.46% |
| CHRISTINA A WEYLS3 | 422 JACK TURNER WAY LANCASTER, KY 40444 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.01% |
| REGINA G CALDWELL3 | 2043 SINKING CREEK ROAD LONDON, KY 40741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.97% |
| JOEL SCHNEIDER3 | 369 BIG HILL AVE RICHMOND, KY 40475 | CONTINENTAL AMERICAN INSURANCE COMPANY | $441 | $0 | $441 | 0.21% |
| REBEKAH SMALLWOOD3 Filed as: REBEKAH L SMALLWOOD | 561 BUCKFIELD RD PIKEVILLE, KY 41501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $348 | $0 | $348 | 0.17% |
| ANDREA HARPER3 | 1294 LITTLE ROBINSON CREEK VIRGIE, KY 41572 | CONTINENTAL AMERICAN INSURANCE COMPANY | $339 | $0 | $339 | 0.16% |
| SUSAN M. HINKLE3 Filed as: SUSAN M HINKLE | 283 HYDE PARK LANE CORBIN, KY 40701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $319 | $0 | $319 | 0.15% |
| BRENT HUTCHINSON3 Filed as: BRENT D HUTCHINSON | 1450 N BROADWAY LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $251 | $0 | $251 | 0.12% |
| TYLER A DECKER3 | 4325 COBBLESTONE KNOLL DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $188 | $0 | $188 | 0.09% |
| JAIME HUTTON3 | 1020 MONTROSE DR GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | $0 | $77 | 0.04% |
| MARK C LAMAR3 | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.01% |
| JORDAN S SMITH3 | 6669 ARNO ALLISONA RD COLLEGE GROVE, TN 37046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| PETER REGINELLI3 | 240 WILSON PIKE CIRCLE, STE 2 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| LAURA BETH KELLER3 Filed as: LAURA B KELLER | 445 MADISON POINT DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | HARTFORD LIFE AND ACCIDENT | $29K | $0 | $29K | 19.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 1.96% |
| THE HINTON AGENCY LLC3 | 121 E ELECTRIC AVE FLEMINGSBURG, KY 41041 | HARTFORD LIFE AND ACCIDENT | $40 | $0 | $40 | 0.03% |
| LESLIE ANN FEATHERLY3 Filed as: LESLIE A FEATHERLY | 3022 HELENA RD FLEMINGSBURG, KY 41041 | HARTFORD LIFE AND ACCIDENT | $40 | $0 | $40 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | $139 | $3K | 9.84% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 231 | $26K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 222 | $144K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 222 | $144K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 222 | $144K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 259 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.