| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN S MARTIN3 Filed as: BRIAN KEITH FRIZZELL | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $18K | $500 | $19K | 4.75% |
| PAULA C. FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $17K | $566 | $18K | 4.53% |
| BRENT HUTCHINSON3 | 1450 N BROADWAY LEXINGTON, KY 40505 | AFLAC | $4K | $47 | $4K | 1.06% |
| LAURA BETH KELLER3 | 445 MADISON POINT DR. LEXINGTON, KY 40515 | AFLAC | $3K | $74 | $3K | 0.76% |
| HEATHER L MAMMEN3 Filed as: HEATHER L. MAMMEN | 251 BIG EDDY ROAD FRANKFORT, KY 40601 | AFLAC | $2K | — | $2K | 0.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 744831 ATLANTA, GA 30374 | AFLAC | $937 | — | $937 | 0.24% |
| BROCK POWELL3 | 3654 OGLEBAY DR GREEN COVE SPRINGS, FL 32043 | AFLAC | $637 | — | $637 | 0.16% |
| AMELIA S COX3 Filed as: AMELIA S. COX | 190 HUBBARD LANE LONDON, KY 40744 | AFLAC | $498 | — | $498 | 0.13% |
| BRETT ALAN BOOKER3 | 4390 CLEARWATER WAY APT 1505 LEXINGTON, KY 40515 | AFLAC | $479 | — | $479 | 0.12% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $411 | — | $411 | 0.10% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE K. KIMBROUGH | P. O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $327 | — | $327 | 0.08% |
| JOSHUA C BURTON3 Filed as: JOSHUA C. BURTON | 4198 COX ROAD, STE 113 GLEN ALLEN, VA 23060 | AFLAC | $309 | — | $309 | 0.08% |
| CHERYL C NELSON3 Filed as: CHERYL C. NELSON | 722 LANDIS RIDGE DRIVE LOUISVILLE, KY 40245 | AFLAC | $271 | — | $271 | 0.07% |
| RONALD J GRETHEL3 Filed as: RONALD J. GRETHEL | 118 HIGHCLIFF CT LOVELAND, OH 45140 | AFLAC | $223 | — | $223 | 0.06% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $195 | — | $195 | 0.05% |
| RUEANN EMERSON3 | 142 NE 1ST ST OAK ISLANDE, NC 28465 | AFLAC | $189 | — | $189 | 0.05% |
| ANNE T. ALTIERI3 | 1033 WHITEHALL PLACE LEXINGTON, KY 40517 | AFLAC | $165 | — | $165 | 0.04% |
| LESLIE T CUMPTAN3 Filed as: LESLIE T. CUMPTAN | 4 ABBEY LANE BIRMINGHAM, AL 35226 | AFLAC | $158 | — | $158 | 0.04% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $145 | — | $145 | 0.04% |
| SALLY A MEAD3 Filed as: SALLY A. MEAD | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $136 | — | $136 | 0.03% |
| KENNITH J. MERCADO3 | 273 LEFT PENHOOK RD HAROLD, KY 41635 | AFLAC | $135 | — | $135 | 0.03% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK ROAD LONDON, KY 40741 | AFLAC | $133 | — | $133 | 0.03% |
| TAMARA LYNN HELTON3 | 934 STATE ROUTE 716 ASHLAND, KY 41102 | AFLAC | $130 | — | $130 | 0.03% |
| THOMAS A MORRIS AND ASSOC INC3 Filed as: THOMAS A MORRIS & ASSOC | 3312 BRIDLINGTON RD LEXINGTON, KY 40509 | AFLAC | $124 | — | $124 | 0.03% |
| RUEANN EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $116 | — | $116 | 0.03% |
| DAVID A EMERSON3 Filed as: DAVID A. EMERSON | 142 NE 1ST ST OAK ISLAND, NC 28465 | AFLAC | $103 | — | $103 | 0.03% |
| JONATHAN ANDREW FERGUSON3 | 5960 FAIRVIEW RD STE 400 CHARLOTTE, NC 28210 | AFLAC | $93 | — | $93 | 0.02% |
| BRADLEY L ELLIS3 Filed as: BRADLEY L. ELLIS | 6807 GRAINERY ROAD TIMNATH, CO 80547 | AFLAC | $88 | — | $88 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD, SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $85 | — | $85 | 0.02% |
| SCOTTI MADISON3 | 3330 COBB PKWY NW, SUITE 324-3 ACWORTH, GA 30101 | AFLAC | $76 | — | $76 | 0.02% |
| RICKY A. INMAN3 | 1265 ROY DUGGER ROAD LONDON, KY 40741 | AFLAC | $75 | — | $75 | 0.02% |
| JAMES L. LEFTWICH3 | 1465 RIVER LANE GREEN COVE SPRINGS, FL 32043 | AFLAC | $74 | — | $74 | 0.02% |
| DEBORAH MCGREGOR ADDESSI3 | 2116 WINTERBERRY DR LEXINGTON, KY 40504 | AFLAC | $63 | — | $63 | 0.02% |
| THOMAS W BOSTON3 Filed as: THOMAS WORKMAN | P. O. BOX 17761 COVINGTON, KY 41017 | AFLAC | $56 | — | $56 | 0.01% |
| JEAN C. DEARINGER3 | 734 FAIRVIEW COURT HARRODSBURG, KY 40330 | AFLAC | $55 | — | $55 | 0.01% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD ROAD PIKEVILLE, KY 41501 | AFLAC | $55 | — | $55 | 0.01% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA J. FLY | P. O. BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $54 | — | $54 | 0.01% |
| RICK HALLORAN3 | P. O. BOX 3058 WEST SOMERSET, KY 42564 | AFLAC | $52 | — | $52 | 0.01% |
| SETH O AKERS3 | 487 NORMANDY STATION RD TAYLORSVILLE, KY 40071 | AFLAC | $40 | $11 | $51 | 0.01% |
| CHARLES HUGH MACKAY3 | 2383 S MAIN STREET, SUITE B100 AKRON, OH 44319 | AFLAC | $44 | — | $44 | 0.01% |
| CHRISTOPHER SMITH3 | 149 FRANCIS LN HELENA, AL 35080 | AFLAC | $43 | — | $43 | 0.01% |
| BRANDON L MILLER3 Filed as: BRANDON L. MILLER | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $43 | — | $43 | 0.01% |
| VIRGINIA E FERGUSON3 Filed as: VIRGINIA E. FERGUSON | 5549 FIVE KNOLLS DR. CHARLOTTE, NC 28226 | AFLAC | $42 | — | $42 | 0.01% |
| RPM LTD3 | P. O. BOX 1016 YULEE, FL 32041 | AFLAC | $41 | — | $41 | 0.01% |
| BRANDY ANN HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $41 | — | $41 | 0.01% |
| R AARON WRIGHT3 Filed as: R. AARON WRIGHT | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $38 | — | $38 | 0.01% |
| CHARLES A HUTCHINSON3 Filed as: CHARLES A. HUTCHINSON | 2795 ROBERT C BYRD DRIVE BECKLEY, WV 25801 | AFLAC | $38 | — | $38 | 0.01% |
| JEANNETTE FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $30 | — | $30 | 0.01% |
| GUY WILLIAM BARRY3 | P. O. BOX 23513 LEXINGTON, KY 40523 | AFLAC | $26 | — | $26 | 0.01% |
| BRIAN S MARTIN3 Filed as: BRIAN S. MARTIN | 3280 BLAZER PKWY, SUITE 100 LEXINGTON, KY 40509 | AFLAC | $26 | — | $26 | 0.01% |
| LINDSEY HOSKINS3 | 801 E BRANNON RD UNIT 128 NICHOLASVILLE, KY 40356 | AFLAC | $26 | — | $26 | 0.01% |
| SANDRA C BALDWIN3 Filed as: SANDRA C. BALDWIN | 146 CHAMBERLAIN DRIVE GEORGETOWN, KY 40324 | AFLAC | $22 | — | $22 | 0.01% |
| WILLIAM D WENBERG3 Filed as: WILLIAM D. WENBERG | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $21 | — | $21 | 0.01% |
| CHARLES E MCNEIL3 Filed as: CHARLES E. MCNEIL | 817 SCOTT DEPOT ROAD SCOTT DEPOT, WV 25560 | AFLAC | $20 | — | $20 | 0.01% |
| LESLIE F MORSE3 Filed as: LESLIE FAULKNER MORSE | 244 TURNER RD PINEHURST, NC 28374 | AFLAC | $20 | — | $20 | 0.01% |
| ROGER L BENNETT3 Filed as: ROGER L. BENNETT | P. O. BOX 1268 VERSAILLES, KY 40383 | AFLAC | $19 | — | $19 | 0.00% |
| LAURA J NEWMAN-SUTER3 | 414 CHINOE RD LEXINGTON, KY 40502 | AFLAC | $19 | — | $19 | 0.00% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | AFLAC | $18 | — | $18 | 0.00% |
| THOMAS ROBERT GIDDENS3 | P. O. BOX 2517 KENNESAW, GA 30156 | AFLAC | $17 | — | $17 | 0.00% |
| GLEN ESTES3 | 201 BELLEFONTE CT SIMPSONVILLE, KY 40067 | AFLAC | $17 | — | $17 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $16 | — | $16 | 0.00% |
| JOAN C. HENSLEY3 | 7 RAGNAR TRL BIG TIMBER, MT 59011 | AFLAC | $15 | — | $15 | 0.00% |
| ROGER TOOHEY3 | P. O. BOX 1265 SOMERSET, KY 42502 | AFLAC | $15 | — | $15 | 0.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL KEITH RICHARDSON | 123 CANDLELIGHT WAY MOREHEAD, KY 40351 | AFLAC | $15 | — | $15 | 0.00% |
| KERRY KIMBROUGH3 Filed as: KERRY D. KIMBROUGH | P. O. BOX 23275 LEXINGTON, KY 40523 | AFLAC | $14 | — | $14 | 0.00% |
| RALPH E HOPKINS3 Filed as: RALPH E. HOPKINS | P. O. BOX 606 GEORGETOWN, KY 40324 | AFLAC | $14 | — | $14 | 0.00% |
| STEVE GENE GRAVES3 | 130 SHALA MAR RUE WINCHESTER, KY 40391 | AFLAC | $14 | — | $14 | 0.00% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $14 | — | $14 | 0.00% |
| LESLIE F MORSE3 Filed as: LESLIE F. MORSE | 140 RIVER COURT PARKWAY ATLANTA, GA 30328 | AFLAC | $13 | — | $13 | 0.00% |
| TANDRA FAYE FREED3 | 719 LAWMAN AVENUE BRIDGEPORT, WV 26330 | AFLAC | $12 | — | $12 | 0.00% |
| JANET C. HUNTER3 | 1047 CREEKSIDE LANE NICHOLASVILLE, KY 40356 | AFLAC | $11 | — | $11 | 0.00% |
| JOHN LEE NABORS3 | P. O. BOX 793 WARTBURG, TN 37887 | AFLAC | $10 | — | $10 | 0.00% |
| JUSTIN W DAVIS3 Filed as: JUSTIN W. DAVIS | 300 LIVE OAK COURT SALEM, VA 24153 | AFLAC | $8 | — | $8 | 0.00% |
| ANGELA M. MARTINEZ3 | 2203 GRIBBLE DRIVE COVINGTON, KY 41017 | AFLAC | $8 | — | $8 | 0.00% |
| THOMAS J STEPHENSON3 Filed as: THOMAS J. STEPHENSON | 31 STADLEMAN COURT CARTERSVILLE, GA 30120 | AFLAC | $8 | — | $8 | 0.00% |
| JAMES R. SEALS3 | 278 CHIMNEY ROCK ROAD HAZARD, KY 41701 | AFLAC | $8 | — | $8 | 0.00% |
| SUSAN M. HINKLE3 | 283 HYDE PARK LANE CORBIN, KY 40701 | AFLAC | $7 | — | $7 | 0.00% |
| HALL AND CLARK INS AGCY INC.3 | P. O. BOX 508 PRESTONSBURG, KY 41653 | AFLAC | $6 | — | $6 | 0.00% |
| FREDERICK BROWNING3 Filed as: FREDERICK H. BROWNING | 218 OVERVIEW DRIVE SOMERSET, KY 42503 | AFLAC | $6 | — | $6 | 0.00% |
| SANDRA GAIL MEADOWS3 | 440 HILL STREET MADISON, WV 25130 | AFLAC | $5 | — | $5 | 0.00% |
| GARY DWAYN CHAMBERS3 | 673 PROVIDENCE ROAD LEXINGTON, KY 40502 | AFLAC | $5 | — | $5 | 0.00% |
| TIMOTHY T TEAGUE3 Filed as: TIMOTHY T. TEAGUE | 5104 RUSSELL ROAD FRANKLIN, TN 37064 | AFLAC | $5 | — | $5 | 0.00% |
| KANSAS DAWN RAY3 | 1695 WOLF HOLLOW RD MANITOU, KY 42436 | AFLAC | $5 | — | $5 | 0.00% |
| DAVID LUURTSEMA3 | 326 OLD CARDINAL DR ELIZABETHTOWN, KY 42701 | AFLAC | $5 | — | $5 | 0.00% |
| KAREN L ESTES3 | PO BOX 514 SIMPSONVILLE, KY 40067 | AFLAC | $5 | — | $5 | 0.00% |
| DONALD L LARSON3 Filed as: DONALD L. LARSON | 1528 LOUISVILLE ROAD ALCOA, TN 37701 | AFLAC | $4 | — | $4 | 0.00% |
| SHANNON CARPENTER3 | 135 EDGEWOOD ROAD MIDDLESBORO, KY 40965 | AFLAC | $4 | — | $4 | 0.00% |
| RUSSELL P LASNER3 Filed as: RUSSELL P. LASNER | 1001 TIMMONY CIR ACCOKEEK, MD 20607 | AFLAC | $4 | — | $4 | 0.00% |
| MALLORY SULLIVAN3 | 1203 HAMMONSVILLE SCHOOLHOUSE RD MAGNOLIA, KY 42757 | AFLAC | $4 | — | $4 | 0.00% |
| DAVID M WATSON3 | 3912 FALLEN TIMBER DR LOUISVILLE, KY 40241 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES A BURRESS3 Filed as: JAMES A. BURRESS | 8755 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $2 | — | $2 | 0.00% |
| LONI LONG3 | 385 REDDING ROAD, APT 48 LEXINGTON, KY 40517 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN B LACARIA3 Filed as: JOHN B. LACARIA | 102 JENNIFER LANE BRIDGEPORT, WV 26330 | AFLAC | $2 | — | $2 | 0.00% |
| BRYAN MARTIN3 Filed as: BRYAN D. MARTIN | 17102 MALLET HILL DRIVE LOUISVILLE, KY 40245 | AFLAC | $2 | — | $2 | 0.00% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DR KEVIL, KY 42053 | AFLAC | $2 | — | $2 | 0.00% |
| ELIZABETH ASHLEY HALL3 | 339 WALTERS RD PIKEVILLE, KY 41501 | AFLAC | $2 | — | $2 | 0.00% |
| PAUL SHELBY AMOS II3 | 6801 RIVER RD., STE 2100 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| RONALD H RICHEY3 | 4499 MURFREESBORO ROAD FRANKLIN, TN 37067 | AFLAC | $1 | — | $1 | 0.00% |
| PAULA WINCHELL3 | 940 CORA WILBORN RD SUMMER SHADE, KY 42166 | AFLAC | $1 | — | $1 | 0.00% |
| MELINDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $0 | — | $0 | 0.00% |
| HARE AND ASSOCIATES LLC3 | 6324 TARTAN FIELDS LN MASON, OH 45040 | AFLAC | $0 | — | $0 | 0.00% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $0 | — | $0 | 0.00% |
| DARREN L BRUNO3 | 1224 WESTWOOD DR LEWIS CENTER, OH 43035 | AFLAC | $0 | — | $0 | 0.00% |
| MATT STEINHAUER III3 | 100 YORKSHIRE CT HENDERSONVILLE, TN 37075 | AFLAC | $0 | — | $0 | 0.00% |
| PAULA C. FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $709 | $65 | $774 | 5.92% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $426 | $26 | $452 | 3.46% |
| LAURA BETH KELLER3 | 445 MADISON POINT DR. LEXINGTON, KY 40515 | AFLAC | $143 | $8 | $151 | 1.15% |
| BRENT HUTCHINSON3 | 1450 N BROADWAY LEXINGTON, KY 40505 | AFLAC | $150 | — | $150 | 1.15% |
| HEATHER L MAMMEN3 Filed as: HEATHER L. MAMMEN | 251 BIG EDDY RD FRANKFORT, KY 40601 | AFLAC | $106 | — | $106 | 0.81% |
| ANNE T. ALTIERI3 Filed as: ANNE T ALTIERI | 1033 WHITEHALL PL LEXINGTON, KY 40517 | AFLAC | $83 | — | $83 | 0.63% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $31 | — | $31 | 0.24% |
| CHERYL C NELSON3 Filed as: CHERYL C. NELSON | 722 LANDIS RIDGE DRIVE LOUISVILLE, KY 40245 | AFLAC | $24 | — | $24 | 0.18% |
| GUY WILLIAM BARRY3 | P. O. BOX 23513 LEXINGTON, KY 40523 | AFLAC | $14 | — | $14 | 0.11% |
| KERRY KIMBROUGH3 Filed as: KERRY D. KIMBROUGH | P. O. BOX 23275 LEXINGTON, KY 40523 | AFLAC | $10 | — | $10 | 0.08% |
| RONALD J GRETHEL3 Filed as: RONALD J. GRETHEL | 118 HIGHCLIFF CT LOVELAND, OH 45140 | AFLAC | $7 | — | $7 | 0.05% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE K. KIMBROUGH | P. O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $5 | — | $5 | 0.04% |
| BRADLEY L ELLIS3 Filed as: BRADLEY L. ELLIS | 6807 GRAINERY ROAD TIMNATH, CO 80547 | AFLAC | $4 | — | $4 | 0.03% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD, SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $4 | — | $4 | 0.03% |
| JOSHUA C BURTON3 Filed as: JOSHUA C. BURTON | 4198 COX RD, STE 113 GLEN ALLEN, VA 23060 | AFLAC | $3 | — | $3 | 0.02% |
| RUEANN EMERSON3 | 142 NE 1ST ST OAK ISLAND, NC 28465 | AFLAC | $2 | — | $2 | 0.02% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA J. FLY | P. O. BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $1 | — | $1 | 0.01% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK ROAD LONDON, KY 40741 | AFLAC | $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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts) | AFLAC | 460 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.