| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAULA C. FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $21K | $174 | $21K | 6.23% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $16K | $294 | $16K | 4.69% |
| BRETT ALAN BOOKER3 | 3200 TODDS RD APT 314 LEXINGTON, KY 40509 | AFLAC | $5K | $55 | $5K | 1.39% |
| BRENT D HUTCHINSON3 Filed as: BRENT HUTCHINSON | 1450 N BROADWAY LEXINGTON, KY 40505 | AFLAC | $4K | $83 | $4K | 1.19% |
| LAURA BETH KELLER3 | 445 MADISON POINT DR LEXINGTON, KY 40515 | AFLAC | $2K | — | $2K | 0.62% |
| HEATHER L MAMMEN3 Filed as: HEATHER L. MAMMEN | PO BOX 4574 FRANKFORT, KY 40604 | AFLAC | $2K | — | $2K | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 744831 ATLANTA, GA 30374 | AFLAC | $693 | — | $693 | 0.20% |
| BROCK POWELL3 | 3654 OGLEBAY DR GREEN COVE SPRINGS, FL 32043 | AFLAC | $622 | — | $622 | 0.18% |
| AMELIA S COX3 | 190 HUBBARD LN LONDON, KY 40744 | AFLAC | $399 | — | $399 | 0.12% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $329 | — | $329 | 0.10% |
| JOSHUA C BURTON3 | 4198 COX ROAD, STE 113 GLEN ALLEN, VA 23060 | AFLAC | $251 | — | $251 | 0.07% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE K. KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $246 | — | $246 | 0.07% |
| RUEANN EMERSON3 | 142 NE 1ST ST OAK ISLAND, NC 28465 | AFLAC | $241 | — | $241 | 0.07% |
| CHERYL C NELSON3 | 722 LANDIS RIDGE DR LOUISVILLE, KY 40245 | AFLAC | $219 | — | $219 | 0.06% |
| RONALD J GRETHEL3 | 118 HIGHCLIFF CT LOVELAND, OH 45140 | AFLAC | $182 | — | $182 | 0.05% |
| LESLIE T CUMPTAN3 | 4 ABBEY LN BIRMINGHAM, AL 35226 | AFLAC | $134 | — | $134 | 0.04% |
| ANNE E STULTZ3 | 1033 WHITEHALL PL LEXINGTON, KY 40517 | AFLAC | $132 | — | $132 | 0.04% |
| KENNITH MERCADO3 | 273 LEFT PENHOOK RD HAROLD, KY 41635 | AFLAC | $114 | — | $114 | 0.03% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $114 | — | $114 | 0.03% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK ROAD LONDON, KY 40741 | AFLAC | $111 | — | $111 | 0.03% |
| TAMARA L HELTON3 | 934 STATE ROUTE 716 ASHLAND, KY 41102 | AFLAC | $109 | — | $109 | 0.03% |
| THOMAS A MORRIS AND ASSOC INC3 | 3312 BRIDLINGTON RD LEXINGTON, KY 40509 | AFLAC | $101 | — | $101 | 0.03% |
| SALLY A MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $96 | — | $96 | 0.03% |
| DAVID A EMERSON3 | 142 NE 1ST ST OAK ISLAND, NC 28465 | AFLAC | $85 | — | $85 | 0.02% |
| JONATHAN A FERGUSON3 | 5960 FAIRVIEW RD STE 400 CHARLOTTE, NC 28210 | AFLAC | $79 | — | $79 | 0.02% |
| BRADLEY L ELLIS3 | 6807 GRAINERY ROAD TIMNATH, CO 80547 | AFLAC | $70 | — | $70 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 38 BROOKS LN WHITLEY CITY, KY 42653 | AFLAC | $67 | — | $67 | 0.02% |
| CHARLES S MADISON3 | 3330 COBB PKWY NW STE 324-3 ACWORTH, GA 30101 | AFLAC | $67 | — | $67 | 0.02% |
| JAMES L LEFTWICH3 | 1465 RIVER LN GREEN COVE SPRINGS, FL 32043 | AFLAC | $62 | — | $62 | 0.02% |
| DEBORAH MCGREGOR ADDESSI3 | 2116 WINTERBERRY DR LEXINGTON, KY 40504 | AFLAC | $53 | — | $53 | 0.02% |
| REBEKAH SMALLWOOD3 | 561 BUCKFIELD RD PIKEVILLE, KY 41501 | AFLAC | $47 | — | $47 | 0.01% |
| JEAN C. DEARINGER3 Filed as: JEAN C DEARINGER | 734 FAIRVIEW CT HARRODSBURG, KY 40330 | AFLAC | $46 | — | $46 | 0.01% |
| BRANDON L MILLER3 | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $46 | — | $46 | 0.01% |
| RICK HALLORAN3 | PO BOX 3058 WEST SOMERSET, KY 42564 | AFLAC | $44 | — | $44 | 0.01% |
| THOMAS W BOSTON3 Filed as: THOMAS WORKMAN | PO BOX 17761 COVINGTON, KY 41017 | AFLAC | $43 | — | $43 | 0.01% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $43 | — | $43 | 0.01% |
| RICKY A. INMAN3 Filed as: RICKY A INMAN | 1265 ROY DUGGER RD LONDON, KY 40741 | AFLAC | $39 | — | $39 | 0.01% |
| CHARLES HUGH MACKAY3 Filed as: CHARLES H MACKAY | 2383 S MAIN STE B100 AKRON, OH 44319 | AFLAC | $38 | — | $38 | 0.01% |
| VIRGINIA E FERGUSON3 | 5549 FIVE KNOLLS DR CHARLOTTE, NC 28226 | AFLAC | $36 | — | $36 | 0.01% |
| LINDSEY HOSKINS3 | 801 E BRANNON RD UNIT 128 NICHOLASVILLE, KY 40356 | AFLAC | $33 | — | $33 | 0.01% |
| CHRISTOPHER SMITH3 | 149 FRANCES LN HELENA, AL 35080 | AFLAC | $33 | — | $33 | 0.01% |
| R AARON WRIGHT3 | 9505 TRUSTCOTT CT PROSPECT, KY 40059 | AFLAC | $31 | — | $31 | 0.01% |
| BRANDY ANN HARTIN3 Filed as: BRANDY A HARTIN | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $31 | — | $31 | 0.01% |
| C R RAMSEY POTTS3 | 30 SMITHTOWN RD STE 9 MORGANTOWN, WV 26508 | AFLAC | $26 | — | $26 | 0.01% |
| ROGER L BENNETT3 | PO BOX 1268 VERSAILLES, KY 40383 | AFLAC | $24 | — | $24 | 0.01% |
| DEETTE BRANDHORST3 | 308 ORCHARD WOOD DR BECKLEY, WV 25801 | AFLAC | $24 | — | $24 | 0.01% |
| JEANNETTE FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $24 | — | $24 | 0.01% |
| GUY WILLIAM BARRY3 | PO BOX 23513 LEXINGTON, KY 40523 | AFLAC | $22 | — | $22 | 0.01% |
| BRIAN S MARTIN3 Filed as: BRIAN S. MARTIN | 3280 BLAZER PKWY, SUITE 100 LEXINGTON, KY 40509 | AFLAC | $22 | — | $22 | 0.01% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL KEITH RICHARDSON | 123 CANDLELIGHT WAY MOREHEAD, KY 40351 | AFLAC | $20 | — | $20 | 0.01% |
| LESLIE F. MORSE3 | 244 TURNER RD PINEHURST, NC 28374 | AFLAC | $20 | — | $20 | 0.01% |
| MALLORY PEDIGO3 | 1745 HAMMONSVILLE JONESVILLE RD MAGNOLIA, KY 42757 | AFLAC | $19 | — | $19 | 0.01% |
| SANDRA C BALDWIN3 Filed as: SANDRA C. BALDWIN | 146 CHAMBERLAIN DRIVE GEORGETOWN, KY 40324 | AFLAC | $19 | — | $19 | 0.01% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | AFLAC | $18 | — | $18 | 0.01% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $18 | — | $18 | 0.01% |
| LAURA J NEWMAN-SUTER3 | 414 CHINOE RD LEXINGTON, KY 40502 | AFLAC | $16 | — | $16 | 0.00% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS R GIDDENS | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $15 | — | $15 | 0.00% |
| TANDRA FAYE FREED3 Filed as: TANDRA F FREED | 719 LAWMAN AVE BRIDGEPORT, WV 26330 | AFLAC | $15 | — | $15 | 0.00% |
| SETH O AKERS3 | 487 NORMANDY STATION RD TAYLORSVILLE, KY 40071 | AFLAC | $14 | — | $14 | 0.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: JAMES G BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $14 | — | $14 | 0.00% |
| CHARLES A HUTCHINSON3 Filed as: CHARLES A. HUTCHINSON | 2795 ROBERT C BYRD DRIVE BECKLEY, WV 25801 | AFLAC | $14 | — | $14 | 0.00% |
| SANDRA GAIL MEADOWS3 | 77 MICHAEL LN MADISON, WV 25130 | AFLAC | $13 | — | $13 | 0.00% |
| ROGER TOOHEY3 | PO BOX 1265 SOMERSET, KY 42502 | AFLAC | $13 | — | $13 | 0.00% |
| JOAN C. HENSLEY3 Filed as: JOAN C HENSLEY | 7 RAGNAR TRL BIG TIMBER, MT 59011 | AFLAC | $12 | — | $12 | 0.00% |
| STEVE G GRAVES3 | 130 SHALA MAR RUE WINCHESTER, KY 40391 | AFLAC | $12 | — | $12 | 0.00% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE T FUGATE | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $12 | — | $12 | 0.00% |
| CHARLENE MONTGOMERY LLC3 | 214 EDGEWOOD DR NICHOLASVILLE, KY 40356 | AFLAC | $10 | — | $10 | 0.00% |
| STEPHEN D GREEN3 | 7322 COAL HERITAGE RD IAEGER, WV 24844 | AFLAC | $9 | — | $9 | 0.00% |
| JANET C. HUNTER3 Filed as: JANET C HUNTER | 1047 CREEKSIDE LANE NICHOLASVILLE, KY 40356 | AFLAC | $9 | — | $9 | 0.00% |
| JOHN LEE NABORS3 | PO BOX 793 WARTBURG, TN 37887 | AFLAC | $9 | — | $9 | 0.00% |
| KERRY KIMBROUGH3 Filed as: KERRY D. KIMBROUGH | PO BOX 23275 LEXINGTON, KY 40523 | AFLAC | $8 | — | $8 | 0.00% |
| JUSTIN W DAVIS3 | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $7 | — | $7 | 0.00% |
| THOMAS J STEPHENSON3 | 31 STADELMAN CT CARTERSVILLE, GA 30120 | AFLAC | $7 | — | $7 | 0.00% |
| ANGELA M. MARTINEZ3 Filed as: ANGELA M MARTINEZ | 2203 GRIBBLE DR COVINGTON, KY 41017 | AFLAC | $7 | — | $7 | 0.00% |
| SUSAN M. HINKLE3 Filed as: SUSAN M HINKLE | 283 HYDE PARK LANE CORBIN, KY 40701 | AFLAC | $6 | — | $6 | 0.00% |
| RPM LTD3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $5 | — | $5 | 0.00% |
| FREDERICK BROWNING3 Filed as: FREDERICK H. BROWNING | 218 OVERVIEW DRIVE SOMERSET, KY 42503 | AFLAC | $5 | — | $5 | 0.00% |
| HAMZA EBRAHIM3 | 219 VINE ST BECKLEY, WV 25801 | AFLAC | $5 | — | $5 | 0.00% |
| JAMES R. SEALS3 Filed as: JAMES R SEALS | 278 CHIMNEY ROCK RD HAZARD, KY 41701 | AFLAC | $5 | — | $5 | 0.00% |
| TIMOTHY T TEAGUE3 | 5104 RUSSELL RD FRANKLIN, TN 37064 | AFLAC | $5 | — | $5 | 0.00% |
| RALPH HOPKINS3 | PO BOX 606 GEORGETOWN, KY 40324 | AFLAC | $4 | — | $4 | 0.00% |
| PAULA WINCHELL3 Filed as: PAULA WINCHELL-BARTLEY | 940 CORA WILBORN RD SUMMER SHADE, KY 42166 | AFLAC | $4 | — | $4 | 0.00% |
| GARY DWAYN CHAMBERS3 | 673 PROVIDENCE ROAD LEXINGTON, KY 40502 | AFLAC | $4 | — | $4 | 0.00% |
| KANSAS DAWN RAY3 | 1695 WOLF HOLLOW RD MANITOU, KY 42436 | AFLAC | $4 | — | $4 | 0.00% |
| DONALD L LARSON3 | 1528 LOUISVILLE RD ALCOA, TN 37701 | 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 RD MIDDLESBORO, KY 40965 | AFLAC | $3 | — | $3 | 0.00% |
| DENNIS HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES A BURRESS3 | 8755 OGDEN DUNES DR CAMBY, IN 46113 | AFLAC | $2 | — | $2 | 0.00% |
| TIMOTHY SMALLWOOD3 | 561 BUCKFIELD RD PIKEVILLE, KY 41501 | AFLAC | $2 | — | $2 | 0.00% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK A LAIRD | 4365 WOODLAND HILL DR KEVIL, KY 42053 | AFLAC | $2 | — | $2 | 0.00% |
| ELIZABETH A HALL3 | 339 WALTERS RD PIKEVILLE, KY 41501 | AFLAC | $2 | — | $2 | 0.00% |
| PAUL S AMOS II3 | 6801 RIVER RD STE 2100 COLUMBUS, GA 31904 | AFLAC | $1 | $0 | $1 | 0.00% |
| BRYAN D. MARTIN3 | 17102 MALLET HILL DRIVE LOUISVILLE, KY 40245 | AFLAC | $1 | $0 | $1 | 0.00% |
| RONALD H RICHEY3 | 4499 MURFREESBORO ROAD FRANKLIN, TN 37067 | AFLAC | $1 | $0 | $1 | 0.00% |
| DARAN L WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $1 | $0 | $1 | 0.00% |
| KRISTINE G WYCKOFF3 | 1417 S MAMER LN SPOKANE VALLEY, WA 99216 | AFLAC | $0 | — | $0 | 0.00% |
| PAUL B BROUCHOUD3 | 7401 RUSTIC CREEK RD OKLAHOMA CITY, OK 73165 | AFLAC | $0 | — | $0 | 0.00% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $0 | — | $0 | 0.00% |
| JOHN B LACARIA3 Filed as: JOHN B. LACARIA | 102 JENNIFER LANE BRIDGEPORT, WV 26330 | AFLAC | $0 | — | $0 | 0.00% |
| HARE AND ASSOCIATES LLC3 | 6324 TARTON FIELDS LN MASON, OH 45040 | 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% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $0 | — | $0 | 0.00% |
| GIBSON & ASSOCIATES INC3 | 7139 BROAD RIVER RD IRMO, SC 290637615 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 2.31% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 WALL TOWNSHIP, NJ 077193502 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.81% |
| PAULA C. FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $750 | — | $750 | 6.07% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $231 | — | $231 | 1.87% |
| LAURA BETH KELLER3 | 445 MADISON POINT DR LEXINGTON, KY 40515 | AFLAC | $126 | — | $126 | 1.02% |
| HEATHER L MAMMEN3 | PO BOX 4574 FRANKFORT, KY 40604 | AFLAC | $95 | — | $95 | 0.77% |
| BRENT D HUTCHINSON3 | 1450 N BROADWAY LEXINGTON, KY 40505 | AFLAC | $94 | — | $94 | 0.76% |
| BRETT ALAN BOOKER3 | 3200 TODDS RD APT 314 LEXINGTON, KY 40509 | AFLAC | $77 | — | $77 | 0.62% |
| ANNE E STULTZ3 | 1033 WHITEHALL PL LEXINGTON, KS 40517 | AFLAC | $76 | — | $76 | 0.61% |
| DALE IRA DAVIS3 | 5892 CEDAR CREEK LN LEXINGTON, KY 40515 | AFLAC | $29 | — | $29 | 0.23% |
| CHERYL C NELSON3 | 722 LANDIS RIDGE DR LOUISVILLE, KY 40245 | AFLAC | $22 | — | $22 | 0.18% |
| GUY WILLIAM BARRY3 | PO BOX 23513 LEXINGTON, KY 40523 | AFLAC | $13 | — | $13 | 0.11% |
| KERRY DELMAR KIMBROUGH3 | PO BOX 23275 LEXINGTON, KY 40523 | AFLAC | $9 | — | $9 | 0.07% |
| RONALD J GRETHEL3 | 118 HIGHCLIFF CT LOVELAND, OH 45140 | AFLAC | $6 | — | $6 | 0.05% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE K. KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $5 | — | $5 | 0.04% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $3 | — | $3 | 0.02% |
| CLIFFORD F BROOKS3 | 38 BROOKS LN WHITLEY CITY, KY 42653 | AFLAC | $3 | — | $3 | 0.02% |
| JOSHUA C BURTON3 | 4198 COX ROAD STE 113 GLEN ALLEN, VA 23060 | AFLAC | $3 | — | $3 | 0.02% |
| RUEANN M EMERSON3 | 142 NE 1ST ST OAK ISLAND, NC 28465 | AFLAC | $2 | — | $2 | 0.02% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA J. FLY | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $1 | — | $1 | 0.01% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK RD 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 | 982 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC. | 1,298 | $2.7M |
| Dental | ANTHEM HEALTH PLANS OF KY, INC. | 1,298 | $2.7M |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 1,298 | $2.7M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,062 | $319K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,062 | $319K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KY, INC. | 1,298 | $2.7M |
| Other(3 contracts, 2 carriers) | AFLAC | 1,062 | $675K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,298 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.