| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C ROSS BARNETTE JR3 | 2365 HARRODSBURG DR #A300 LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $63K | — | $63K | 3.96% |
| CENTRAL BANK INSURANCE AGENCY3 Filed as: CENTRAL BANK INSURANCE AGENCY, INC. | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT | $13K | $423 | $13K | 9.41% |
| CENTRAL BANK INSURANCE AGENCY3 Filed as: CENTRAL BANK INSURANCE AGENCY, INC. | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 9.13% |
| STEVE A CALVERT3 | 103 MAIN STREET SHARPSBURG, KY 40374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $154 | $5K | 5.14% |
| JEANNETTE SUE WESTERWELLE3 | 2005 JOHN STUART DR MOUNT STERLING, KY 40353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $10 | $2K | 1.80% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $815 | $360 | $1K | 1.24% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $879 | $46 | $925 | 0.97% |
| JAMES DAVID HALL3 | 506 W HIGH STREET MOUNT STERLING, KY 40353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $564 | $7 | $571 | 0.60% |
| VANCE NEAL MICHAEL3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $521 | — | $521 | 0.55% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $379 | — | $379 | 0.40% |
| THERESA PEDDICORD3 | 151 MAY CT NICHOLASVILLE, KY 40356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | $23 | $173 | 0.18% |
| LESLIE ANN FEATHERLY3 | 3022 HELENA ROAD FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | — | $145 | 0.15% |
| REGINA SCHMUTTE3 | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.07% |
| EMILY SLUSHER3 | 51 LONE EAGLE WAY PONTE VEDRA, FL 32081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.06% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.03% |
| DWAYNE SLUSHER | 2302 CEDARWOOD DRIVE MAYSVILLE, KY 41056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.03% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| JUDY STEVENS3 | 2132 LEAFLAND PLACE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $2 | $14 | 0.01% |
| ROBERT BERNARD SCHMUTTE3 | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| ANNE OWENS3 | 550 DAVISTOWN ROAD MIDWAY, KY 40347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| THE HINTON AGENCY LLC3 Filed as: THE HINTON AGENCY, LLC | 121 E ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| SUZANNE BRATTON THACKER3 | PO BOX 22518 LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| CAVIN BARNETTE3 Filed as: CAVIN BARNETTE JR | 105 MALLARD CT NICHOLASVILLE, KY 40356 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 4.14% |
| CENTRAL BANK INSURANCE AGENCY3 Filed as: CENTRAL BANK INSURANCE AGENCY, INC. | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 13.73% |
| STEVE A CALVERT3 | 103 MAIN STREET SHARPSBURG, KY 40374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $42 | $1K | 7.25% |
| JEANETTE SUE WESTERWELLE3 | 2005 JOHN STUART DR MOUNT STERLING, KY 40353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $473 | $3 | $476 | 2.77% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | $110 | $331 | 1.93% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | $14 | $248 | 1.45% |
| DWAYNE SLUSHER3 | 2302 CEDARWOOD DRIVE MAYSVILLE, KY 41056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.82% |
| EMILY SLUSHER3 | 51 LONE EAGLE WAY PONTE VEDRA, FL 32081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.72% |
| VANCE NEAL MICHAEL3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.72% |
| JAMES DAVID HALL3 | 506 W HIGH STREET MOUNT STERLING, KY 40353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $1 | $78 | 0.45% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.40% |
| LESLIE ANN FEATHERLY3 | 3022 HELENA ROAD FLEMMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.24% |
| THERESA PEDDICORD3 | 151 MAY CT NICHOLASVILLE, KY 40356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $3 | $26 | 0.15% |
| REGINA SCHMUTTE3 | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.12% |
| AXEL H HALVARSON3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.06% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| ROBERT BERNARD SCHMUTTE3 | 4999 HARTLAND PARKWAY LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| RALPH E MYERS3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| NORMA J DAVIS3 | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 344 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 313 | $1.6M |
| Dental | DELTA DENTAL OF KENTUCKY | 343 | $72K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 313 | $1.6M |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 381 | $254K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 381 | $141K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 381 | $141K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 381 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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."
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.