| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C ROSS BARNETTE3 | 105 MALLARD COURT NICHOLASVILLE, KY 40356 | BAPTIST HEALTH PLAN | $49K | — | $49K | 4.00% |
| CENTRAL BANK INSURANCE AGENCY3 Filed as: CENTRAL BANK INSURANCE AGENCY, INC. | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 9.75% |
| CENTRAL BANK INSURANCE AGENCY3 Filed as: CENTRAL BANK INSURANCE AGENCY, INC. | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 9.11% |
| STEVE A CALVERT3 | 103 MAIN STREET SHARPSBURG, KY 40374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $413 | $4K | 6.68% |
| VANCE NEAL MICHAEL3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.59% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $805 | $128 | $933 | 1.41% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $483 | $152 | $635 | 0.96% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $413 | — | $413 | 0.62% |
| REGINA SCHMUTTE3 | 851 CHARWOOD DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.28% |
| LESLIE ANN FEATHERLY3 | 3022 HELENA ROAD FLEMMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 0.24% |
| EMILY SLUSHER3 | 2302 CEDARWOOD DRIVE MAYSVILLE, KY 41056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 0.23% |
| JAMES DAVID HALL3 | 506 W HIGH STREET MOUNT STERLING, KY 40353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.12% |
| JODIE LYNN BRYANT3 | 104 HOLLOW CREEK DRIVE FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.11% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.06% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.06% |
| ROBERT BERNARD SCHMUTTE3 | 851 CHARWOOD DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $3 | $36 | 0.05% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 989 GOVERNORS LANE SUITE 350 LEXINGTON, KY 40513 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.03% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.03% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.01% |
| RALPH E MYERS3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| NORMA J DAVIS3 | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| ANNE OWENS3 | 1516 DEER LAKE DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JAMES FINN3 | 7016 TWIN SPRINGS DRIVE SELLERSBURG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CBIA3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 4.74% |
| CENTRAL BANK INSURANCE AGENCY3 Filed as: CENTRAL BANK INSURANCE AGENCY, INC. | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.85% |
| STEVE A CALVERT3 | 103 MAIN STREET SHARPSBURG, KY 40374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $508 | $29 | $537 | 2.04% |
| VANCE NEAL MICHAEL3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $333 | — | $333 | 1.27% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | — | $318 | 1.21% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | $17 | $150 | 0.57% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $21 | $115 | 0.44% |
| JODIE LYNN BRYANT3 | 104 HOLLOW CREEK DRIVE FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 0.42% |
| THOMASINE EARLS3 | 136 FOX TRAIL FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 0.42% |
| LESLIE ANN FEATHERLY3 | 3022 HELENA ROAD FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.32% |
| EMILY SLUSHER3 | 2302 CEDARWOOD DRIVE MAYSVILLE, KY 41056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.31% |
| JAMES DAVID HALL3 | 506 W HIGH STREET MOUNT STERLING, KY 40353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $1 | $82 | 0.31% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.16% |
| REGINA SCHMUTTE3 | 851 CHARWOOD DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.09% |
| LAURA BETH KELLER3 Filed as: LAURA ANNE JENKINS | 2424 WALNUT GROVE LANE LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| ANNE OWENS3 | 1516 DEER LAKE DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| THE HINTON AGENCY LLC3 Filed as: THE HINTON AGENCY, LLC | 121 E ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| ROBERT BERNARD SCHMUTTE3 | 851 CHARWOOD DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JUDY STEVENS3 | 2132 LEAFLAND PLACE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| C ROSS BARNETTE3 | 105 MALLARD COURT NICHOLASVILLE, KY 40356 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | — | $2K | 9.98% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BAPTIST HEALTH PLAN | 254 | $1.2M |
| Dental | DELTA DENTAL OF KENTUCKY | 285 | $60K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 260 | $15K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 295 | $219K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 295 | $126K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 295 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.