| 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 KY, INC - HEALTH | $100K | $0 | $100K | 2.44% |
| CENTRAL BANK INSURANCE AGENCY3 | 2424 HARRODSBURG RD SUITE 102 LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT | $25K | $0 | $25K | 7.45% |
| CENTRAL BANK INSURANCE AGENCY3 | 2424 HARRODSBURG RD SUITE 102 LEXINGTON, KY 40503 | DELTA DENTAL OF KENTUCKY | $5K | $0 | $5K | 2.56% |
| PAULA C. FRIZZELL3 Filed as: PAULA CUMMINS FRIZZELL | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $14K | $78 | $14K | 11.30% |
| CBIA3 | 2424 HARRODSBURG RD SUITE 102 LEXINGTON, KY 40503 | AFLAC | $6K | $0 | $6K | 4.88% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $5K | $61 | $5K | 3.84% |
| BRENT D HUTCHINSON3 | 1450 N BROADWAY LEXINGTON, KY 40505 | AFLAC | $3K | $29 | $3K | 1.99% |
| BRETT ALAN BOOKER3 | 3200 TODDS RD APT 314 LEXINGTON, KY 40509 | AFLAC | $2K | $5 | $2K | 1.95% |
| LAURA BETH KELLER3 | 445 MADISON POINT DR LEXINGTON, KY 40515 | AFLAC | $770 | $0 | $770 | 0.60% |
| HEATHER L MAMMEN3 | PO BOX 4574 FRANKFORT, KY 40604 | AFLAC | $543 | $0 | $543 | 0.42% |
| LAWRENCE TODD FUGATE3 | 4352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $542 | $0 | $542 | 0.42% |
| MICHAEL LINDSAY CAMPBELL3 | PO BOX 320 LEXINGTON, KY 40588 | AFLAC | $171 | $0 | $171 | 0.13% |
| C R RAMSEY POTTS3 | 30 SMITHTOWN RD STE 9 MORGANTOWN, KY 26508 | AFLAC | $113 | $0 | $113 | 0.09% |
| RUEANN M EMERSON3 | 142 NE 1ST ST OAK ISLAND, NC 28465 | AFLAC | $71 | $0 | $71 | 0.06% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $65 | $0 | $65 | 0.05% |
| JOSHUA C BURTON3 | 4198 COX RD STE 113 GLEN ALLEN, VA 23060 | AFLAC | $62 | $0 | $62 | 0.05% |
| SALLY A MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $60 | $0 | $60 | 0.05% |
| MARK ARTHUR MERCURIO3 | 1706 PERRY CT PROSPECT, KY 40059 | AFLAC | $37 | $0 | $37 | 0.03% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $32 | $0 | $32 | 0.02% |
| CHERYL C NELSON3 | 722 LANDIS RIDGE DR K LOUISVILLE, KY 40245 | AFLAC | $30 | $0 | $30 | 0.02% |
| MICHAEL FATHERREE3 Filed as: MICHAEL J FATHERREE | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $28 | $0 | $28 | 0.02% |
| BROCK POWELL3 | 3654 OGLEBAY DR GREEN COVE SPRINGS, FL 32043 | AFLAC | $24 | $0 | $24 | 0.02% |
| JONATHAN C DAVIDSON3 | 9803 W STATE ROAD 58 NORMAN, IN 47264 | AFLAC | $21 | $0 | $21 | 0.02% |
| THOMAS A MORRIS AND ASSOC INC3 | 3312 BRIDLINGTON RD LEXINGTON, KY 40509 | AFLAC | $21 | $0 | $21 | 0.02% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $18 | $0 | $18 | 0.01% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $16 | $0 | $16 | 0.01% |
| THERESA J SMITH3 | 18411 STANDWICK DR LOUISVILLE, KY 40245 | AFLAC | $11 | $0 | $11 | 0.01% |
| RPM LTD3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $11 | $0 | $11 | 0.01% |
| B ORELLA BENNETT3 | PO BOX 1268 VERSAILLES, KY 40383 | AFLAC | $9 | $0 | $9 | 0.01% |
| ROGER L BENNETT3 | PO BOX 1268 VERSAILLES, KY 40383 | AFLAC | $9 | $0 | $9 | 0.01% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK RD LONDON, KY 40741 | AFLAC | $8 | $0 | $8 | 0.01% |
| DAVID A EMERSON3 | 142 NE 1ST ST OAK ISLAND, NC 28465 | AFLAC | $7 | $0 | $7 | 0.01% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $7 | $0 | $7 | 0.01% |
| CLIFFORD FRANKLIN BROOKS3 | 38 BROOKS LN WHITLEY CITY, KY 42653 | AFLAC | $5 | $0 | $5 | 0.00% |
| JEANNETTE E FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $4 | $0 | $4 | 0.00% |
| GARY DWAYN CHAMBERS3 | 673 PROVIDENCE RD LEXINGTON, KY 40502 | AFLAC | $4 | $0 | $4 | 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% |
| BRYAN D. 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 KY, INC. - VISION | $100K | $0 | $100K | 231.63% |
| CENTRAL BANK INSURANCE AGENCY3 | 2424 HARRODSBURG RD SUITE 102 LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 19.99% |
| 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 | $23K |
| MCGREGOR & ASSOCIATES EIN 61-1211399 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 997 GOVERNORS LANE SUITE 175 LEXINGTON, KY 40513 | $4K |
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 | 535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC - HEALTH | 643 | $4.1M |
| Dental | DELTA DENTAL OF KENTUCKY | 673 | $179K |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. - VISION | 608 | $43K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 511 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.