| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE AGCY | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $68K | — | $68K | 14.78% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY, INC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $9K | $34K | 13.59% |
| NOLA L KIMBROUGH3 | 2323 HOLLAND CIRCLE MORRISTOWN, TN 37814 | AFLAC | $24K | $1K | $26K | 10.76% |
| ROSIE REBECCA WOLFE3 | 310 SULPHUR SPRINGS ROAD MORRISTOWN, TN 37813 | AFLAC | $20K | $1K | $22K | 9.03% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $14K | $367 | $15K | 6.20% |
| EMMETT HAWKINS3 Filed as: EMMETT M HAWKINS | PO BOX 322 ABINGDON, VA 24212 | AFLAC | $12K | $300 | $12K | 5.11% |
| JACKSON D RHODES3 | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $10K | $325 | $11K | 4.49% |
| RICHARD S KIMBROUGH3 | 872 RED FOX AVE MORRISTOWN, TN 37813 | AFLAC | $8K | $106 | $9K | 3.61% |
| LORI KIMBROUGH3 Filed as: LORI S KIMBROUGH | 872 RED FOX AVE MORRISTOWN, TN 37813 | AFLAC | $6K | $22 | $6K | 2.60% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $1K | $297 | $2K | 0.71% |
| RUTH HOBBS FARMER3 | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $721 | $297 | $1K | 0.43% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $242 | $248 | $490 | 0.21% |
| LESLIE T CUMPTAN3 | 320 9TH ST STE 200 HUNTINGTON, WV 25701 | AFLAC | $487 | — | $487 | 0.20% |
| CHRISTOPHER SMITH3 | 19 OLD CROW DR BARBOURSVILLE, WV 25504 | AFLAC | $76 | — | $76 | 0.03% |
| BRANDON L MILLER3 | 320 9TH ST STE 200 HUNTINGTON, WV 25701 | AFLAC | $58 | — | $58 | 0.02% |
| BRIAN BROYLES3 Filed as: BRIAN B BROYLES | 913 TUSCULUM BLVD GREENEVILLE, TN 37745 | AFLAC | $15 | $5 | $20 | 0.01% |
| THOMAS J. MCCORD3 Filed as: THOMAS J MCCCORD | 10 SCOTT AVE MORGANTOWN, WV 26508 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN CUMPTAN3 | 320 9TH STREET SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $1 | — | $1 | 0.00% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE AGCY | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 2.60% |
| NOLA L KIMBROUGH3 | 2323 HOLLAND CIRCLE MORRISTOWN, TN 37814 | AFLAC | $15K | $747 | $16K | 12.02% |
| ROSIE REBECCA WOLFE3 | 310 SULPHUR SPRINGS ROAD MORRISTOWN, TN 37813 | AFLAC | $12K | $688 | $12K | 9.21% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $9K | $235 | $9K | 6.95% |
| EMMETT HAWKINS3 Filed as: EMMETT M HAWKINS | PO BOX 322 ABINGDON, VA 24212 | AFLAC | $7K | $239 | $8K | 5.62% |
| JACKSON D RHODES3 | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $6K | $115 | $6K | 4.71% |
| RICHARD S KIMBROUGH3 | 872 RED FOX AVE MORRISTOWN, TN 37813 | AFLAC | $4K | $47 | $4K | 3.27% |
| LORI KIMBROUGH3 Filed as: LORI S KIMBROUGH | 872 RED FOX AVE MORRISTOWN, TN 37813 | AFLAC | $4K | $14 | $4K | 2.88% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BLVD UNIT 60 BRNETWOOD, TN 37027 | AFLAC | $531 | $103 | $634 | 0.47% |
| RUTH HOBBS FARMER3 | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $269 | $103 | $372 | 0.28% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $121 | $97 | $218 | 0.16% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK RD LONDON, KY 40741 | AFLAC | $49 | — | $49 | 0.04% |
| PAMELA BELSER3 Filed as: PAMELA C BELSER | 1002 CHAMBERS LANE MOUNT PLEASANT, SC 29464 | AFLAC | $28 | — | $28 | 0.02% |
| PAMELA ROWSEY LARSON3 | 4101 TATES CREEK CENTRE DRIVE SUITE 150 LEXINGTON, KY 40517 | AFLAC | $21 | — | $21 | 0.02% |
| AMY EDWARDS3 Filed as: AMY M EDWARDS | 1555 JACKSON GROVE ROAD COLUMBUS, NC 28722 | AFLAC | $14 | — | $14 | 0.01% |
| ERIC C WOLFE3 | 433 MCCONNELLS TRCE LEXINGTON, KY 40511 | AFLAC | $10 | — | $10 | 0.01% |
| JANET R WATERS3 | 1878 FOREST GLEN WAY SAINT AUGUSTINE, FL 32092 | AFLAC | $8 | — | $8 | 0.01% |
| JOSHUA C BURTON3 | 4550 MARSHALL RUN CIR APT 308 GLEN ALLEN, VA 23059 | AFLAC | $7 | — | $7 | 0.01% |
| DENNIS A SZCZESNY3 | 165 INVERNESS DRIVE LEXINGTON, SC 29072 | AFLAC | $2 | — | $2 | 0.00% |
| RUEANN EMERSON3 | 4820 LAKE BROOK DRIVE STE 125 SUITE 100 GLEN ALLEN, VA 23060 | AFLAC | $2 | — | $2 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $4K | $10K | 8.19% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY, INC. | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURACE COMPANY | $8K | $4K | $12K | 14.98% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACH LUKENS INC DBA NEACE LUKENS | 2305 RIVER RD LOUISVILLE, KY 40206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
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 | 800 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 824 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 326 | $458K |
| Dental | DELTA DENTAL OF KENTUCKY | 818 | $193K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 326 | $458K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 813 | $327K |
| Short-term disability(2 contracts) | AFLAC | 305 | $373K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 813 | $122K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 326 | $458K |
| Other(5 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 813 | $716K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 818 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.