| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL BANK INSURANCE AGENCY3 | 2424 HARRODSBURG RD SUITE 102 LEXINGTON, KY 40503 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. - HEALTH | $89K | $0 | $89K | 2.10% |
| CENTRAL BANK INSURANCE AGENCY3 | 2424 HARRODSBURG RD LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT | $24K | $0 | $24K | 7.56% |
| CENTRAL BANK INSURANCE AGENCY3 | 2424 HARRODSBURG RD SUITE 102 LEXINGTON, KY 40503 | DELTA DENTAL OF KENTUCKY | $4K | $0 | $4K | 2.63% |
| PAULA C. FRIZZELL3 Filed as: PAULA FRIZZELL | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $6K | $578 | $7K | 5.69% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $5K | $103 | $5K | 4.19% |
| CBIA3 | 2424 HARRODSBURG RD SUITE 102 LEXINGTON, KY 40503 | AFLAC | $3K | $0 | $3K | 2.86% |
| LAURA BETH KELLER3 | 445 MADISON POINT DR LEXINGTON, KY 40515 | AFLAC | $908 | $100 | $1K | 0.86% |
| BRENT HUTCHINSON3 | 1450 N BROADWAY LEXINGTON, KY 40505 | AFLAC | $824 | $0 | $824 | 0.71% |
| HEATHER MAMMEN3 | 251 BIG EDDY RD FRANKFORT, KY 40601 | AFLAC | $635 | $0 | $635 | 0.54% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $618 | $0 | $618 | 0.53% |
| MICHAEL LINDSAY CAMPBELL3 | PO BOX 320 LEXINGTON, KY 40588 | AFLAC | $198 | $0 | $198 | 0.17% |
| RPM LTD3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $149 | $0 | $149 | 0.13% |
| JOSHUA C BURTON3 | 4198 COX RD STE 113 GLEN ALLEN, VA 23060 | AFLAC | $80 | $0 | $80 | 0.07% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $78 | $0 | $78 | 0.07% |
| RUEANN EMERSON3 | 142 NE 1ST ST OAK ISLAND, NC 28465 | AFLAC | $72 | $0 | $72 | 0.06% |
| SALLY A MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $63 | $0 | $63 | 0.05% |
| BRETT ALAN BOOKER3 | 4390 CLEARWATER WAY APT 1505 LEXINGTON, KY 40515 | AFLAC | $43 | $0 | $43 | 0.04% |
| MARK ARTHUR MERCURIO3 | 1706 PERRY CT PROSPECT, KY 40059 | AFLAC | $40 | $0 | $40 | 0.03% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $35 | $0 | $35 | 0.03% |
| CHERYL C NELSON3 | 722 LANDIS RIDGE DR LOUISVILLE, KY 40245 | AFLAC | $33 | $0 | $33 | 0.03% |
| THOMAS A MORRIS AND ASSOC INC3 | 3312 BRIDLINGTON RD LEXINGTON, KY 40509 | AFLAC | $30 | $0 | $30 | 0.03% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $27 | $0 | $27 | 0.02% |
| JONATHAN C DAVIDSON3 | 9803 W STATE ROAD 58 NORMAN, IN 47264 | AFLAC | $23 | $0 | $23 | 0.02% |
| RUEANN M EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $21 | $0 | $21 | 0.02% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $21 | $0 | $21 | 0.02% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $20 | $0 | $20 | 0.02% |
| BROCK POWELL3 | 3654 OGLEBAY DR GREEN COVE SPRINGS, FL 32043 | AFLAC | $18 | $0 | $18 | 0.02% |
| THERESA J SMITH3 | 18411 STANDWICK DR LOUISVILLE, KY 40245 | AFLAC | $12 | $0 | $12 | 0.01% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK RD LONDON, KY 40741 | AFLAC | $10 | $0 | $10 | 0.01% |
| ROGER L BENNETT3 | PO BOX 1268 VERSAILLES, KY 40383 | AFLAC | $10 | $0 | $10 | 0.01% |
| DAVID A EMERSON3 | 142 NE 1ST ST OAK ISLAND, NC 28465 | AFLAC | $9 | $0 | $9 | 0.01% |
| B ORELLA BENNETT3 | PO BOX 1268 VERSAILLES, KY 40383 | AFLAC | $9 | $0 | $9 | 0.01% |
| HARLENE MATZA3 | 6885 20TH ST APT 275 VERO BEACH, FL 32966 | AFLAC | $8 | $0 | $8 | 0.01% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $7 | $0 | $7 | 0.01% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $6 | $0 | $6 | 0.01% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $6 | $0 | $6 | 0.01% |
| GARY DWAYN CHAMBERS3 | 673 PROVIDENCE RD LEXINGTON, KY 40502 | AFLAC | $5 | $0 | $5 | 0.00% |
| JOYCE WEBER ENTERPRISES INC3 | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $5 | $0 | $5 | 0.00% |
| JEANNETTE E FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $4 | $0 | $4 | 0.00% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $3 | $0 | $3 | 0.00% |
| THOMAS W BOSTON3 Filed as: THOMAS WORKMAN | PO BOX 17761 COVINGTON, KY 41017 | AFLAC | $2 | $0 | $2 | 0.00% |
| BRANDY ANN HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $2 | $0 | $2 | 0.00% |
| DOUGLAS J SUCHECKI3 | 21 HEARTWOOD DR CATAULA, GA 31804 | AFLAC | $1 | $0 | $1 | 0.00% |
| ROBERT L TRAPNELL JR3 | 1656 GRAND ISLE BLVD MELBOURNE, FL 32940 | AFLAC | $1 | $0 | $1 | 0.00% |
| BRYAN MARTIN3 Filed as: BRYAN D MARTIN | 17102 MALLET HILL DR LOUISVILLE, KY 40245 | AFLAC | $1 | $0 | $1 | 0.00% |
| CENTRAL BANK INSURANCE AGENCY3 | 2424 HARRODSBURG RD SUITE 102 LEXINGTON, KY 40503 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. - VISION | $89K | $0 | $89K | 178.60% |
| CENTRAL BANK INSURANCE AGENCY3 | 2424 HARRODSBURG RD LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 20.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMAN DEVELOPMENT COMPANY, INC. EIN 61-1108172 COUNSELING SERVICE | Other services Service code 49 | 1930 BISHOP LANE SUITE 603 LOUISVILLE, KY 40218 | $22K |
| MCGREGOR & ASSOCIATES EIN 61-1211399 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 997 GOVERNORS LANE SUITE 175 LEXINGTON, KY 40513 | $5K |
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 | 519 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. - HEALTH | 598 | $4.2M |
| Dental | DELTA DENTAL OF KENTUCKY | 653 | $171K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. - VISION | 593 | $50K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 494 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.