| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C ROSS BARNETTE3 | 105 MALLARD COURT NICHOLASVILLE, KY 40356 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $29K | — | $29K | 1.75% |
| CENTRAL BANK INSURANCE AGENCY3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $22K | — | $22K | 1.36% |
| CENTRAL BANK INSURANCE AGENCY3 Filed as: CENTRAL BANK INSURANCE AGENCY, INC. | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 9.34% |
| CENTRAL BANK INSURANCE AGENCY3 Filed as: CENTRAL BANK INSURANCE AGENCY, INC. | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 11.03% |
| STEVE A CALVERT3 | 103 MAIN STREET SHARPSBURG, KY 40374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $593 | $5K | 7.58% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $647 | $511 | $1K | 1.67% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $916 | $212 | $1K | 1.62% |
| VANCE NEAL MICHAEL3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $800 | — | $800 | 1.15% |
| EMILY SLUSHER3 | 2302 CEDARWOOD DRIVE MAYSVILLE, KY 41056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $720 | $53 | $773 | 1.11% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $327 | — | $327 | 0.47% |
| JAMES DAVID HALL3 | 506 W HIGH STREET MOUNT STERLING, KY 40353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | — | $293 | 0.42% |
| JODIE LYNN BRYANT3 | 104 HOLLOW CREEK DRIVE FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | — | $245 | 0.35% |
| REGINA SCHMUTTE3 | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 0.20% |
| LESLIE ANN FEATHERLY3 | 3022 HELENA ROAD FLEMMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.18% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.05% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.05% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 989 GOVERNORS LANE SUITE 350 LEXINGTON, KY 40513 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| ROBERT BERNARD SCHMUTTE3 | 851 CHARWOOD DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| RALPH E MYERS3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| ANNE OWENS3 | 550 DAVISTOWN ROAD MIDWAY, KY 40347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| CBIA3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 4.60% |
| CENTRAL BANK INSURANCE AGENCY3 Filed as: CENTRAL BANK INSURANCE AGENCY, INC. | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.43% |
| STEVE A CALVERT3 | 103 MAIN STREET SHARPSBURG, KY 40374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $768 | $77 | $845 | 3.10% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $354 | $85 | $439 | 1.61% |
| VANCE NEAL MICHAEL3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | — | $281 | 1.03% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $271 | — | $271 | 0.99% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | $91 | $227 | 0.83% |
| JODIE LYNN BRYANT3 | 104 HOLLOW CREEK DRIVE FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | — | $213 | 0.78% |
| JAMES DAVID HALL3 | 506 W HIGH STREET MOUNT STERLING, KY 40353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.33% |
| LESLIE ANN FEATHERLY3 | 3022 HELENA ROAD FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.28% |
| EMILY SLUSHER3 | 2302 CEDARWOOD DRIVE MAYSVILLE, KY 41056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.18% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.12% |
| REGINA SCHMUTTE3 | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.08% |
| ANNE OWENS3 | 550 DAVISTOWN ROAD MIDWAY, KY 40347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| THOMASINE EARLS3 | 136 FOX TRAIL FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| THE HINTON AGENCY LLC3 Filed as: THE HINTON AGENCY, LLC | 121 E ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| ROBERT BERNARD SCHMUTTE3 | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 307 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 261 | $1.6M |
| Dental | DELTA DENTAL OF KENTUCKY | 283 | $64K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 261 | $1.6M |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 307 | $233K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 307 | $136K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 307 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.