| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 2125 YGNACIO VALLEY RD, STE 200 WALNUT CREEK, CA 94598 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $36K | — | $36K | 3.01% |
| FOUNDATION RISK PARTNERS CORP3 | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | ANTHEM LIFE INSURANCE COMPANY | $17K | — | $17K | 15.17% |
| FOUNDATION RISK PARTNERS CORP3 | 38 FOUNTAIN SQUARE PLZ CINCINNATI, OH 45202 | AFLAC | $1K | — | $1K | 3.32% |
| REBECCA ANN DOEPKE3 | 4019 DEER LAKE CIRCLE PROSPECT, KY 40059 | AFLAC | $717 | — | $717 | 2.29% |
| AMBER NICOLE RICHARDSON3 | 1241 LYNDON LANE RADCLIFF, KY 40160 | AFLAC | $668 | $48 | $716 | 2.29% |
| FOUNDATION RISK PARTNERS CORP3 | 10350 ORMSBY PARK PL STE 402 LOUISVILLE, KY 40223 | AFLAC | $393 | — | $393 | 1.26% |
| MURPHY M DEMUNBRUN JR3 Filed as: MURPHY M. DEMUNBRUN JR | 93 ARNOLD DR GLASGOW, KY 42141 | AFLAC | $321 | $49 | $370 | 1.18% |
| MARK GALVIN LLC3 Filed as: MARK ALLEN GALVIN | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $281 | — | $281 | 0.90% |
| MELODY KELTNER3 | 1391 OLD JOHNSON RD COLUMBIA, KY 42728 | AFLAC | $192 | $33 | $225 | 0.72% |
| KIRK HASTINGS3 | 8707 CHETWOOD TRACE DRIVE LOUISVILLE, KY 40291 | AFLAC | $190 | — | $190 | 0.61% |
| SETH O AKERS3 Filed as: SETH O. AKERS | 487 NORMANDY STATION ROAD TAYLORSVILLE, KY 40071 | AFLAC | $113 | $5 | $118 | 0.38% |
| BRIAN GRAHAM INC3 Filed as: BRIAN M. GRAHAM | 903 TAMARISK CT LOUISVILLE, KY 40223 | AFLAC | $116 | — | $116 | 0.37% |
| ERIN SMITH3 | 112 EARLY TIMES BLVD BARDSTOWN, KY 40004 | AFLAC | $114 | — | $114 | 0.36% |
| BRIANNA MILLER3 | 941 TOM WORD RD SUMMER SHADE, KY 42166 | AFLAC | $82 | $14 | $96 | 0.31% |
| PAULA WINCHELL3 Filed as: PAULA WINCHELL-BARTLEY | 940 CORA WILBORN RD SUMMER SHADE, KY 42166 | AFLAC | $73 | $14 | $87 | 0.28% |
| AMY JOHANNEMANN3 | 11708 E. STATE ROAD 56 FRENCH LICK, IN 47432 | AFLAC | $77 | — | $77 | 0.25% |
| BRIAN GRAHAM INC3 Filed as: BRIAN M. GRAHAM | 2201 POLO MOUNT CT LOUISVILLE, KY 40245 | AFLAC | $54 | — | $54 | 0.17% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | AFLAC | $51 | — | $51 | 0.16% |
| DAVID M WATSON3 Filed as: DAVID M. WATSON | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | AFLAC | $49 | — | $49 | 0.16% |
| NJN LLC3 | 239 FRANCK AVE LOUISVILLE, KY 40206 | AFLAC | $44 | — | $44 | 0.14% |
| TIFFANY ANN AKERS3 | 487 NORMANDY STATION ROAD TAYLORSVILLE, KY 40071 | AFLAC | $29 | — | $29 | 0.09% |
| BRYAN ALARCON3 | 205 MACINTOSH DRIVE SHELBYVILLE, KY 40065 | AFLAC | $27 | — | $27 | 0.09% |
| DAVID LUURTSEMA3 | 103 APRIL CT ELIZABETHTOWN, KY 42701 | AFLAC | $21 | — | $21 | 0.07% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 5905 E. GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | AFLAC | $20 | — | $20 | 0.06% |
| DAVID BRENT HUGHES3 | 2806 SATSUMA DR SARASOTA, FL 34239 | AFLAC | $15 | — | $15 | 0.05% |
| SAMANTHA MARIETA FULLER3 | 207 N PROCTOR KNOTT AVE LEBANON, KY 40033 | AFLAC | $15 | — | $15 | 0.05% |
| BRADLEY L ELLIS3 Filed as: BRADLEY L. ELLIS | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $14 | — | $14 | 0.04% |
| PHILLIP D BLAKEMAN3 Filed as: PHILLIP D. BLAKEMAN | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $12 | — | $12 | 0.04% |
| RICHARD SCOTT MARTIN3 | 121 FISHER CT FORT KNOX, KY 40121 | AFLAC | $10 | — | $10 | 0.03% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $8 | — | $8 | 0.03% |
| LAURA MARIE LEKSRISAWAT3 | 5734 N. STATE ROAD 66 MILLTOWN, IN 47145 | AFLAC | $5 | — | $5 | 0.02% |
| DENNIS HARTIN3 | 12203 STATE STREET TAMPA, FL 33635 | AFLAC | $1 | — | $1 | 0.00% |
| CLIFFORD FRANKLIN BROOKS3 | 38 BROOKS LN WHITLEY CITY, KY 42653 | AFLAC | $1 | — | $1 | 0.00% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 201 | $1.2M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 201 | $1.2M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 201 | $1.2M |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 190 | $113K |
| Other | AFLAC | 37 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.