| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | UNITEDHEALTHCARE INSURANCE COMPANY - HEALTH & VISION | $94K | $0 | $94K | 4.28% |
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT - LIFE & ADD | $14K | $5K | $19K | 10.96% |
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG RD LEXINGTON, KY 40503 | DELTA DENTAL OF KENTUCKY | $4K | $0 | $4K | 2.68% |
| PAULA GAIL NEAL3 Filed as: PAULA C. CUTTER | 1795 ALYSHEBA WAY STE 1204 LEXINGTON, KY 40509 | AFLAC | $3K | $186 | $4K | 4.50% |
| KEITH FRIZZELL3 | 1795 ALYSHEBA WAY STE 1204 LEXINGTON, KY 40509 | AFLAC | $3K | $30 | $3K | 4.19% |
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | AFLAC | $1K | $0 | $1K | 1.62% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $962 | $97 | $1K | 1.30% |
| MICHAEL LINDSAY CAMPBELL3 | PO BOX 320 LEXINGTON, KY 40588 | AFLAC | $391 | $0 | $391 | 0.48% |
| DALE I DAVIS3 | 350 E SHORT ST. NUMBER 416 LEXINGTON, KY 40507 | AFLAC | $327 | $0 | $327 | 0.40% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $326 | $0 | $326 | 0.40% |
| RUEANN M EMERSON3 | 4820 LAKE BROOK DR. STE 125 GLEN ALLEN, VA 23060 | AFLAC | $127 | $63 | $190 | 0.23% |
| CHERYL C NELSON3 | 722 LANDIS RIDGE DR. LOUSIVILLE, KY 40245 | AFLAC | $137 | $43 | $180 | 0.22% |
| JOHSUA C BURTON3 | 4550 MARSHALL RUN CIRCLE APT 308 GLEN ALLEN, VA 23059 | AFLAC | $180 | $0 | $180 | 0.22% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $174 | $0 | $174 | 0.21% |
| RUEANN EMERSON3 | 4820 LAKE BROOK DR. STE 125 SUITE 100 GLEN ALLEN, VA 23060 | AFLAC | $167 | — | $167 | 0.20% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD STE 605 LOUISVILLE, KY 40222 | AFLAC | $80 | $63 | $143 | 0.18% |
| SALLY A MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $76 | $0 | $76 | 0.09% |
| MICHAEL FATHERREE3 | PO BOX 36823 TUCSON, AZ 85740 | AFLAC | $63 | $0 | $63 | 0.08% |
| THOMAS W BOSTON3 Filed as: THOMAS ANTHONY MORRIS | 2322 PATCHEN WILKES DR. LEXINGTON, KY 40509 | AFLAC | $57 | $0 | $57 | 0.07% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: OAK HILL FINANCIAL INSRUANCE AGENCY | PO BOX 629 JACKSON, OH 45640 | AFLAC | $40 | $0 | $40 | 0.05% |
| DAVID HENDERSON3 Filed as: DAVID M HENDERSON | 2351 CRESCENT HILL DR. OWENSBORO, KY 42303 | AFLAC | $38 | $0 | $38 | 0.05% |
| MICHAEL L MCDONALD3 | 329 EUCLID AVE OAK PARK, IL 60302 | AFLAC | $36 | $0 | $36 | 0.04% |
| JACI BRINKMAN3 | 6911 MARION COURT EVANSVILLE, IN 47715 | AFLAC | $32 | $0 | $32 | 0.04% |
| MIKEL MCKINLEY JR3 Filed as: MIKEL DAVIS MCKINLEY JR | 534 E. PIKE ST. CYNTHIANA, KY 41031 | AFLAC | $29 | $0 | $29 | 0.04% |
| KATE HANSEN3 Filed as: KATE L HANSEN | 2414 LAKE PARK RD. APT. 4302 LEXINGTON, KY 40502 | AFLAC | $23 | $0 | $23 | 0.03% |
| DANA SMITH3 Filed as: DANA A SMITH | 10511 SANDBOURNE WAY LOUISVILLE, KY 40241 | AFLAC | $19 | $0 | $19 | 0.02% |
| MARK ARTHUR MERCURIO3 | 1706 PERRY COURT PROSPECT, KY 40059 | AFLAC | $18 | $0 | $18 | 0.02% |
| GARY DOWELL3 Filed as: GARY WAYNE DOWELL | PO BOX 1035 VERSAILLES, KY 40383 | AFLAC | $18 | $0 | $18 | 0.02% |
| BROCK POWELL3 | 400 DABNEY DR. APT. 1 LEXINGTON, KY 40509 | AFLAC | $17 | $0 | $17 | 0.02% |
| ROBERT D WAKE3 | PO BOX 87 WASHINGTON, IN 47501 | AFLAC | $13 | $0 | $13 | 0.02% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK ROAD LONDON, KY 40741 | AFLAC | $13 | $0 | $13 | 0.02% |
| DONNA LIVINGSTON3 Filed as: DONNA J. LIVINGSTON | 402 HANSGEN MORGAN ROAD WHEELERSBURG, OH 45694 | AFLAC | $13 | $0 | $13 | 0.02% |
| BROCK POWELL3 | 3216 WINGED FOOT CIRCLE LEXINGTON, KY 40509 | AFLAC | $11 | $0 | $11 | 0.01% |
| JANICE E JOHNSON3 | PO BOX 10186 OXFORD, AL 36203 | AFLAC | $11 | $0 | $11 | 0.01% |
| THOMAS W BOSTON3 Filed as: THOMAS ANTHONY MORRIS | 2554 CRUSADERS WAY LEXINGTON, KY 40509 | AFLAC | $10 | $0 | $10 | 0.01% |
| JONATHAN C DAVIDSON3 | 9806 W. STTE ROAD 58 NORMAN, IN 47264 | AFLAC | $10 | $0 | $10 | 0.01% |
| GEMINI INSURANCE INC3 | 14406 FAIRFIELD GARDENS DR. LOUISVILLE, KY 40245 | AFLAC | $10 | $0 | $10 | 0.01% |
| ATHUR M PRIDDY3 | 436 W GRAND ST. JACKSON, TN 38301 | AFLAC | $10 | $0 | $10 | 0.01% |
| HEATHER L MAMMEN3 | 468 BOB O LINK DRIVE LEXINGTON, KY 40503 | AFLAC | $9 | $0 | $9 | 0.01% |
| SALLY MCGUFFEY3 | 845 US HIGHWAY 27 N STANFORD, KY 40484 | AFLAC | $8 | $0 | $8 | 0.01% |
| KATHRYN HOFFMAN3 Filed as: KATHRYN E HOFFMAN | 755 DORGENE LANE CINCINNATI, OH 45244 | AFLAC | $7 | $0 | $7 | 0.01% |
| JOHN D TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $5 | $0 | $5 | 0.01% |
| THERESA J SMITH3 | 10200 DORSEY POINTE CIR LOUISVILLE, KY 40223 | AFLAC | $5 | $0 | $5 | 0.01% |
| DONALD D HAMMOCK3 | 2930 CATHEDRAL LANE CHARLESTON, SC 29414 | AFLAC | $4 | $0 | $4 | 0.00% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $3 | $0 | $3 | 0.00% |
| FRED L. HOFFMAN3 Filed as: FRED L HOFFMAN | 28 APPLEWOOD DR. FAIRFIELD, OH 45014 | AFLAC | $3 | $0 | $3 | 0.00% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 3600 WINTHROP DR. APT. 5209 LEXINGTON, KY 40514 | AFLAC | $3 | $0 | $3 | 0.00% |
| WALTER BOONE3 Filed as: WALTER E BOONE | 1604 ENGLISHOAK DRIVE ARLINGTON, TX 76016 | AFLAC | $2 | $0 | $2 | 0.00% |
| CULLEN SMITH & ASSOCIATES INC3 Filed as: CULLEN SMITH & ASSOCIATES INC. | 2764 RISING MEADOW DR. AKRON, OH 44333 | AFLAC | $2 | $0 | $2 | 0.00% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $2 | $0 | $2 | 0.00% |
| FRED L. HOFFMAN3 Filed as: FRED L HOFFMAN | 3636 ARCHER AVE CINCINNATI, OH 45208 | AFLAC | $2 | $0 | $2 | 0.00% |
| MELISSA BROOKS3 | 1325 ARMBRESTER LANE MUNFORD, AL 36268 | AFLAC | $2 | $0 | $2 | 0.00% |
| GUY WILLIAM BARRY3 | 765 MALABU DRIVE LEXINGTON, KY 40502 | AFLAC | $2 | $0 | $2 | 0.00% |
| KERRY KIMBROUGH3 | 1795 ALYSHEBA WAY STE 1204 LEXINGTON, KY 76016 | AFLAC | $1 | $0 | $1 | 0.00% |
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT - LTD | $5K | $2K | $6K | 9.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGREGOR EIN 61-1211399 SERVICE CONTRACTOR | Contract Administrator Service code 13 | 997GOVERNS LANE SUITE 175 LEXINGTON, KY 40513 | $8K |
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 | 512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY - HEALTH & VISION | 645 | $2.2M |
| Dental | DELTA DENTAL OF KENTUCKY | 703 | $164K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY - HEALTH & VISION | 645 | $2.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT - LIFE & ADD | 513 | $175K |
| Short-term disability | AFLAC | 133 | $82K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT - LTD | 474 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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.