| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAULA C. FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $23K | $795 | $23K | 5.93% |
| BRIAN S MARTIN3 Filed as: BRIAN KEITH FRIZZELL | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $12K | $738 | $13K | 3.27% |
| KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $7K | — | $7K | 1.80% |
| HEATHER L MAMMEN3 Filed as: HEATHER L. MAMMEN | 251 BIG EDDY ROAD FRANKFORT, KY 40601 | AFLAC | $7K | $307 | $7K | 1.79% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PLACE, SUITE 26 LEXINGTON, KY 40509 | AFLAC | $5K | $307 | $6K | 1.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO., INC. | P. O. BOX 744831 ATLANTA, GA 30374 | AFLAC | $1K | — | $1K | 0.31% |
| BROCK POWELL3 | 3944 MURPHY CANYON ROAD, SUITE C203 SAN DIEGO, CA 92123 | AFLAC | $1K | — | $1K | 0.27% |
| AMELIA S COX3 Filed as: AMELIA S. COX | 1265 ROY DUGGER ROAD LONDON, KY 40741 | AFLAC | $678 | — | $678 | 0.17% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE K. KIMBROUGH | P. O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $399 | — | $399 | 0.10% |
| JOSHUA C BURTON3 Filed as: JOSHUA C. BURTON | 2819 N. PARHAM ROAD, SUITE 240 RICHMOND, VA 23294 | AFLAC | $388 | — | $388 | 0.10% |
| DALE I DAVIS3 Filed as: DALE I. DAVIS | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $362 | — | $362 | 0.09% |
| RONALD J GRETHEL3 Filed as: RONALD J. GRETHEL | 648 HANNA AVENUE LOVELAND, OH 45140 | AFLAC | $351 | — | $351 | 0.09% |
| CHERYL C NELSON3 Filed as: CHERYL C. NELSON | 722 LANDIS RIDGE DRIVE LOUISVILLE, KY 40245 | AFLAC | $297 | — | $297 | 0.08% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE, SUITE 106 WILMINGTON, NC 28405 | AFLAC | $261 | — | $261 | 0.07% |
| TAMARA LYNN HELTON3 | 12544 U. S. 60 ASHLAND, KY 41102 | AFLAC | $244 | — | $244 | 0.06% |
| SALLY A MEAD3 Filed as: SALLY A. MEAD | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $240 | — | $240 | 0.06% |
| LESLIE T CUMPTAN3 Filed as: LESLIE T. CUMPTAN | 4 ABBEY LANE BIRMINGHAM, AL 35226 | AFLAC | $179 | — | $179 | 0.05% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $174 | — | $174 | 0.04% |
| ANNE T. ALTIERI3 | 1033 WHITEHALL PLACE LEXINGTON, KY 40517 | AFLAC | $154 | — | $154 | 0.04% |
| THE DIAMOND AGENCY LLC3 Filed as: THE DIAMOND AGENCY, LLC | 2013 OLD RIDGE WAY, SUITE 150 #202 LELAND, NC 28451 | AFLAC | $154 | — | $154 | 0.04% |
| J A FERGUSON AND ASSOC INC3 Filed as: J A FERGUSON & ASSOC. INC. | 959 HERRONS FERRY ROAD ROCK HILL, SC 29730 | AFLAC | $122 | — | $122 | 0.03% |
| THOMAS A MORRIS AND ASSOC INC3 Filed as: THOMAS A. MORRIS AND ASSOC. INC. | 2322 PATCHEN WILKES DRIVE LEXINGTON, KY 40509 | AFLAC | $120 | — | $120 | 0.03% |
| BRADLEY L ELLIS3 Filed as: BRADLEY L. ELLIS | 11226 JORDAN COURT PARKER, CO 80134 | AFLAC | $115 | — | $115 | 0.03% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK ROAD LONDON, KY 40741 | AFLAC | $112 | — | $112 | 0.03% |
| DAVID A EMERSON3 Filed as: DAVID A. EMERSON | 1017 ASHES DRIVE, SUITE 106 WILMINGTON, NC 28405 | AFLAC | $111 | — | $111 | 0.03% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD, SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $110 | — | $110 | 0.03% |
| RICKY A. INMAN3 | 1265 ROY DUGGER ROAD LONDON, KY 40741 | AFLAC | $91 | — | $91 | 0.02% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $75 | — | $75 | 0.02% |
| JAMES L. LEFTWICH3 | 1465 RIVER LANE GREEN COVE SPRINGS, FL 32043 | AFLAC | $72 | — | $72 | 0.02% |
| KERRY KIMBROUGH3 | P. O. BOX 23582 LEXINGTON, KY 40523 | AFLAC | $71 | — | $71 | 0.02% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA J. FLY | P. O. BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $69 | — | $69 | 0.02% |
| DAVID A EMERSON3 Filed as: DAVID A. EMERSON | 4038 BATIK COURT LELAND, NC 28451 | AFLAC | $67 | — | $67 | 0.02% |
| THOMAS W BOSTON3 Filed as: THOMAS WORKMAN | P. O. BOX 17761 COVINGTON, KY 41017 | AFLAC | $65 | — | $65 | 0.02% |
| HALL AND CLARK INS AGCY INC.3 | P. O. BOX 508 PRESTONSBURG, KY 41653 | AFLAC | $61 | — | $61 | 0.02% |
| BRANDY ANN HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $58 | — | $58 | 0.01% |
| R AARON WRIGHT3 Filed as: R. AARON WRIGHT | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $54 | — | $54 | 0.01% |
| MORGAN ROARK3 Filed as: MORGAN B. ROARK | 2107 FRANCIS ROAD GLEN ALLEN, VA 23060 | AFLAC | $54 | — | $54 | 0.01% |
| JORN EARL OTTE3 | 1119 MAXWELL HILL ROAD BECKLEY, WV 25801 | AFLAC | $51 | — | $51 | 0.01% |
| JEAN C. DEARINGER3 | 734 FAIRVIEW COURT HARRODSBURG, KY 40330 | AFLAC | $51 | — | $51 | 0.01% |
| KENNETH J. MERCADO3 | P. O. BOX 37 BETSY LAYNE, KY 41605 | AFLAC | $50 | — | $50 | 0.01% |
| BRANDON L MILLER3 Filed as: BRANDON L. MILLER | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $49 | — | $49 | 0.01% |
| CHRISTOPHER SMITH3 | 19 OLD CROW DRIVE BARBOURSVILLE, WV 25504 | AFLAC | $48 | — | $48 | 0.01% |
| RICK HALLORAN3 | P. O. BOX 3058 WEST SOMERSET, KY 42564 | AFLAC | $48 | — | $48 | 0.01% |
| TANDRA FAYE FREED3 | 719 LAWMAN AVENUE BRIDGEPORT, WV 26330 | AFLAC | $45 | — | $45 | 0.01% |
| CHARLES HUGH MACKAY3 | 2383 S MAIN STREET, SUITE B100 AKRON, OH 44319 | AFLAC | $44 | — | $44 | 0.01% |
| RPM LTD3 | 25 WEATHERBY CIRCLE SAVANNAH, GA 31405 | AFLAC | $40 | — | $40 | 0.01% |
| CHARLES A HUTCHINSON3 Filed as: CHARLES A. HUTCHINSON | 2795 ROBERT C BYRD DRIVE BECKLEY, WV 25801 | AFLAC | $39 | — | $39 | 0.01% |
| GUY WILLIAM BARRY3 | P. O. BOX 23513 LEXINGTON, KY 40502 | AFLAC | $36 | — | $36 | 0.01% |
| SCOTTI MADISON3 | 3330 COBB PKWY NW, SUITE 324-3 ACWORTH, GA 30101 | AFLAC | $36 | — | $36 | 0.01% |
| JEANNETTE E FATHERREE3 Filed as: JEANNETTE E. FATHERREE | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $35 | — | $35 | 0.01% |
| CHARLES E MCNEIL3 Filed as: CHARLES E. MCNEIL | 817 SCOTT DEPOT ROAD SCOTT DEPOT, WV 25560 | AFLAC | $28 | — | $28 | 0.01% |
| TAMARA LYNN HELTON3 | 7023 US 60, SUITE C ASHLAND, KY 41102 | AFLAC | $28 | — | $28 | 0.01% |
| CHRISTOPHER A. PRICE3 | 147 CROSS PARK DRIVE GEORGETOWN, KY 40324 | AFLAC | $24 | — | $24 | 0.01% |
| VIRGINIA E FERGUSON3 Filed as: VIRGINIA E. FERGUSON | 959 HERRONS FERRY ROAD ROCK HILL, SC 29730 | AFLAC | $24 | — | $24 | 0.01% |
| LESLIE F MORSE3 Filed as: LESLIE F. MORSE | 140 RIVER COURT PARKWAY ATLANTA, GA 30328 | AFLAC | $23 | — | $23 | 0.01% |
| BOURBON CITY BENEFITS LLC3 | 141 FOX LANE JAMESTOWN, KY 42629 | AFLAC | $23 | — | $23 | 0.01% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD ROAD PIKEVILLE, KY 41501 | AFLAC | $22 | — | $22 | 0.01% |
| SANDRA C BALDWIN3 Filed as: SANDRA C. BALDWIN | 146 CHAMBERLAIN DRIVE GEORGETOWN, KY 40324 | AFLAC | $20 | — | $20 | 0.01% |
| SANDRA GAIL MEADOWS3 | 440 HILL STREET MADISON, WV 25130 | AFLAC | $19 | — | $19 | 0.00% |
| ROGER L BENNETT3 Filed as: ROGER L. BENNETT | P. O. BOX 1268 VERSAILLES, KY 40383 | AFLAC | $17 | — | $17 | 0.00% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | AFLAC | $17 | — | $17 | 0.00% |
| BRIAN S MARTIN3 Filed as: BRIAN S. MARTIN | 3280 BLAZER PKWY, SUITE 201 LEXINGTON, KY 40509 | AFLAC | $16 | — | $16 | 0.00% |
| RPM LTD3 | P. O. BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $15 | — | $15 | 0.00% |
| ROGER TOOHEY3 | P. O. BOX 1265 SOMERSET, KY 42502 | AFLAC | $14 | — | $14 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P. O. BOX 910610 LEXINGTON, KY 40591 | AFLAC | $14 | — | $14 | 0.00% |
| JOAN C. HENSLEY3 | 7 RAGNAR TRL BIG TIMBER, MT 59011 | AFLAC | $13 | — | $13 | 0.00% |
| RALPH E HOPKINS3 Filed as: RALPH E. HOPKINS | P. O. BOX 606 GEORGETOWN, KY 40324 | AFLAC | $13 | — | $13 | 0.00% |
| BRYAN C SWYERS3 Filed as: BRYAN C. SWYERS | 2429 HYDE PARK ROAD JEFFERSON CITY, MO 65109 | AFLAC | $12 | — | $12 | 0.00% |
| WILLIAM D WENBERG3 Filed as: WILLIAM D. WENBERG | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $11 | — | $11 | 0.00% |
| JUSTIN W DAVIS3 Filed as: JUSTIN W. DAVIS | 300 LIVE OAK COURT SALEM, VA 24153 | AFLAC | $10 | — | $10 | 0.00% |
| THOMAS J STEPHENSON3 Filed as: THOMAS J. STEPHENSON | 31 STADLEMAN COURT CARTERSVILLE, GA 30120 | AFLAC | $10 | — | $10 | 0.00% |
| JOHN LEE NABORS3 | P. O. BOX 793 WARTBURG, TN 37887 | AFLAC | $9 | — | $9 | 0.00% |
| CHASIDY L. PITTMAN3 | P. O. BOX 281 CORBIN, KY 40702 | AFLAC | $9 | — | $9 | 0.00% |
| LESLIE F MORSE3 Filed as: LESLIE F. MORSE | 46 HOWELL STREET SE ATLANTA, GA 30312 | AFLAC | $8 | — | $8 | 0.00% |
| JAMES A BURRESS3 Filed as: JAMES A. BURRESS | 8755 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $8 | — | $8 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $8 | — | $8 | 0.00% |
| STEVE GENE GRAVES3 | 106 QUAIL RIDGE ROAD WINCHESTER, KY 40391 | AFLAC | $8 | — | $8 | 0.00% |
| GARY DWAYN CHAMBERS3 | 673 PROVIDENCE ROAD LEXINGTON, KY 40502 | AFLAC | $7 | — | $7 | 0.00% |
| ANGELA M. MARTINEZ3 | 2203 GRIBBLE DRIVE COVINGTON, KY 41017 | AFLAC | $7 | — | $7 | 0.00% |
| SUSAN M. HINKLE3 | 283 HYDE PARK LANE CORBIN, KY 40701 | AFLAC | $6 | — | $6 | 0.00% |
| THOMAS ROBERT GIDDENS3 | P. O. BOX 2517 KENNESAW, GA 30156 | AFLAC | $6 | — | $6 | 0.00% |
| FREDERICK BROWNING3 Filed as: FREDERICK H. BROWNING | 218 OVERVIEW DRIVE SOMERSET, KY 42503 | AFLAC | $6 | — | $6 | 0.00% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $6 | — | $6 | 0.00% |
| TIMOTHY T TEAGUE3 Filed as: TIMOTHY T. TEAGUE | 5104 RUSSELL ROAD FRANKLIN, TN 37064 | AFLAC | $5 | — | $5 | 0.00% |
| JANET C. HUNTER3 | 1047 CREEKSIDE LANE NICHOLASVILLE, KY 40356 | AFLAC | $5 | — | $5 | 0.00% |
| DONALD L LARSON3 Filed as: DONALD L. LARSON | 1528 LOUISVILLE ROAD ALCOA, TN 37701 | AFLAC | $4 | — | $4 | 0.00% |
| ARTHUR M PRIDDY3 Filed as: ARTHUR M. PRIDDY | 214 LIBERTY ROAD JACKSON, TN 38305 | AFLAC | $4 | — | $4 | 0.00% |
| RUSSELL P LASNER3 Filed as: RUSSELL P. LASNER | 1001 TIMMONY CIR ACCOKEEK, MD 20607 | AFLAC | $4 | — | $4 | 0.00% |
| SHANNON CARPENTER3 | 135 EDGEWOOD ROAD MIDDLESBORO, KY 40965 | AFLAC | $3 | — | $3 | 0.00% |
| LONI LONG3 | 385 REDDING ROAD, APT 48 LEXINGTON, KY 40517 | AFLAC | $3 | — | $3 | 0.00% |
| JOHN B LACARIA3 Filed as: JOHN B. LACARIA | 102 JENNIFER LANE BRIDGEPORT, WV 26330 | AFLAC | $3 | — | $3 | 0.00% |
| BRYAN MARTIN3 Filed as: BRYAN D. MARTIN | 17102 MALLET HILL DRIVE LOUISVILLE, KY 40245 | AFLAC | $2 | — | $2 | 0.00% |
| DENNIS HARTIN3 Filed as: DENNIS SCOTT HARTIN | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $2 | — | $2 | 0.00% |
| HARE AND ASSOCIATES LLC3 | 6324 TARTON FIELDS LANE MASON, OH 45040 | AFLAC | $1 | — | $1 | 0.00% |
| PAUL SHELBY AMOS II3 | 6801 RIVER ROAD, SUITE 2100 COLUMBUS, GA 31999 | AFLAC | $1 | — | $1 | 0.00% |
| DARREN L BRUNO3 Filed as: DARREN L. BRUNO | 1224 WESTWOOD DRIVE LEWIS CENTER, OH 43035 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES R. SEALS3 | 278 CHIMNEY ROCK ROAD HAZARD, KY 41701 | AFLAC | $1 | — | $1 | 0.00% |
| PAULA C. FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $839 | $51 | $890 | 8.12% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $290 | $51 | $341 | 3.11% |
| HEATHER L MAMMEN3 Filed as: HEATHER L. MAMMEN | 251 BIG EDDY ROAD FRANKFORT, KY 40601 | AFLAC | $292 | $20 | $312 | 2.85% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PLACE, SUITE 26 LEXINGTON, KY 40509 | AFLAC | $208 | $20 | $228 | 2.08% |
| ANNE T. ALTIERI3 | 3008 ATKINSON AVENUE LEXINGTON, KY 40509 | AFLAC | $74 | — | $74 | 0.67% |
| CHERYL C NELSON3 Filed as: CHERYL C. NELSON | 722 LANDIS RIDGE DRIVE LOUISVILLE, KY 40245 | AFLAC | $32 | — | $32 | 0.29% |
| DALE I DAVIS3 Filed as: DALE I. DAVIS | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $27 | — | $27 | 0.25% |
| AMELIA S COX3 Filed as: AMELIA S. COX | 1265 ROY DUGGER ROAD LONDON, KY 40741 | AFLAC | $24 | — | $24 | 0.22% |
| TAMERA LYNN HELTON3 | 12544 U. S. 60 ASHLAND, KY 41102 | AFLAC | $15 | — | $15 | 0.14% |
| GUY WILLIAM BARRY3 | P. O. BOX 23513 LEXINGTON, KY 40523 | AFLAC | $15 | — | $15 | 0.14% |
| KERRY KIMBROUGH3 | P. O. BOX 23582 LEXINGTON, KY 40523 | AFLAC | $11 | — | $11 | 0.10% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $7 | — | $7 | 0.06% |
| RONALD J GRETHEL3 Filed as: RONALD J. GRETHEL | 648 HANNA AVENUE LOVELAND, OH 45140 | AFLAC | $7 | — | $7 | 0.06% |
| DAVID A EMERSON3 Filed as: DAVID A. EMERSON | 1017 ASHES DR., SUITE 106 WILMINGTON, NC 28405 | AFLAC | $5 | — | $5 | 0.05% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE K. KIMBROUGH | P. O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $5 | — | $5 | 0.05% |
| BRADLEY L ELLIS3 Filed as: BRADLEY L. ELLIS | 11226 JORDAN COURT PARKER, CO 80134 | AFLAC | $4 | — | $4 | 0.04% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD, SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $4 | — | $4 | 0.04% |
| JOSHUA C BURTON3 Filed as: JOSHUA C. BURTON | 2819 N. PARHAM ROAD, SUITE 240 RICHMOND, VA 23294 | AFLAC | $4 | — | $4 | 0.04% |
| DAVID A EMERSON3 Filed as: DAVID A. EMERSON | 4038 KATIK COURT LELAND, NC 28451 | AFLAC | $4 | — | $4 | 0.04% |
| THE DIAMOND AGENCY LLC3 | 2013 OLD RIDGE WAY, SUITE 150 #202 LELAND, NC 28451 | AFLAC | $3 | — | $3 | 0.03% |
| R AARON WRIGHT3 | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $2 | — | $2 | 0.02% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE, SUITE 106 WILMINGTON, NC 28405 | AFLAC | $2 | — | $2 | 0.02% |
| RUEANN M EMERSON3 Filed as: RUEANN M. EMERSON | 1017 ASHES DRIVE, SUITE 106 WILMINGTON, NC 28405 | 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% |
| TAMARA LYNN HELTON3 | 7023 US 60, SUITE C ASHLAND, KY 41102 | 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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts) | AFLAC | 475 | $405K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.