| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C ROSS BARNETTE3 | 105 MALLARD COURT NICHOLASVILLE, KY 40356 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $48K | — | $48K | 3.03% |
| CENTRAL BANK INSURANCE AGENCY3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $5K | — | $5K | 0.31% |
| CENTRAL BANK INSURANCE AGENCY3 Filed as: CENTRAL BANK INSURANCE AGENCY, INC. | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT | $13K | $681 | $14K | 9.63% |
| CENTRAL BANK INSURANCE AGENCY3 Filed as: CENTRAL BANK INSURANCE AGENCY, INC. | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 14.26% |
| STEVE A CALVERT3 | 103 MAIN STREET SHARPSBURG, KY 40374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $508 | $7K | 7.51% |
| JEANETTE SUE WESTERWELLE3 | 2005 JOHN STUART DR MOUNT STERLING, KY 40353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $222 | $2K | 2.48% |
| DWAYNE SLUSHER3 | 2302 CEDARWOOD DRIVE MAYSVILLE, KY 41056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $318 | $2K | 1.90% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $273 | $2K | 1.74% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $320 | $2K | 1.68% |
| EMILY SLUSHER3 | 51 LONE EAGLE WAY PONTE VEDRA, FL 32081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 1.48% |
| VANCE NEAL MICHAEL3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $574 | — | $574 | 0.61% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | — | $275 | 0.29% |
| JAMES DAVID HALL3 | 506 W HIGH STREET MOUNT STERLING, KY 40353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | — | $260 | 0.28% |
| LESLIE ANN FEATHERLY3 | 3022 HELENA ROAD FLEMMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.15% |
| REGINA SCHMUTTE3 | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 0.12% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.04% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.04% |
| ROBERT BERNARD SCHMUTTE3 | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 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% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| ANNE OWENS3 | 550 DAVISTOWN ROAD MIDWAY, KY 40347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| CBIA3 | 105 MALLARD CT NICHOLASVILLE, KY 40356 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 4.51% |
| CENTRAL BANK INSURANCE AGENCY3 Filed as: CENTRAL BANK INSURANCE AGENCY, INC. | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 8.42% |
| STEVE A CALVERT3 | 103 MAIN STREET SHARPSBURG, KY 40374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $930 | $58 | $988 | 3.20% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $310 | $54 | $364 | 1.18% |
| DWAYNE SLUSHER | 2302 CEDARWOOD DRIVE MAYSVILLE, KY 41056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $279 | $60 | $339 | 1.10% |
| EMILY SLUSHER3 | 2302 CEDARWOOD DRIVE MAYSVILLE, KY 41056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | — | $305 | 0.99% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | — | $280 | 0.91% |
| VANCE NEAL MICHAEL3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | — | $275 | 0.89% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | $45 | $254 | 0.82% |
| JAMES DAVID HALL3 | 506 W HIGH STREET MOUNT STERLING, KY 40353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | — | $191 | 0.62% |
| JEANNETTE SUE WESTERWELLE3 | 2005 JOHN STUART DR MOUNT STERLING, KY 40353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | $17 | $177 | 0.57% |
| LESLIE ANN FEATHERLY3 | 3022 HELENA ROAD FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.24% |
| REGINA SCHMUTTE3 | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.08% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.07% |
| JODIE LYNN BRYANT3 | 104 HOLLOW CREEK DRIVE FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.06% |
| ANNE OWENS3 | 550 DAVISTOWN ROAD MIDWAY, KY 40347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| THE HINTON AGENCY LLC3 Filed as: THE HINTON AGENCY, LLC | 121 E ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 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. | 276 | $1.6M |
| Dental | DELTA DENTAL OF KENTUCKY | 308 | $66K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 276 | $1.6M |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 359 | $266K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 359 | $141K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 359 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.