| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | BAPTIST HEALTH PLAN - HEALTH INSURANCE | $91K | $0 | $91K | 3.40% |
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT - LIFE | $16K | $5K | $21K | 11.14% |
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | DELTA DENTAL | $4K | $0 | $4K | 2.63% |
| PAULA CUTTER3 | 945 STAR SHOOTER PKWY LEXINGTON, KY 40509 | AFLAC | $5K | $265 | $6K | 5.19% |
| BRYAN FISH3 Filed as: BRYAN FRIZZELL | 1795 ALYSHEBA WAY STE 1204 LEXINGTON, KY 40509 | AFLAC | $5K | $29 | $5K | 4.58% |
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG RD LEXINGTON, KY 40503 | AFLAC | $3K | $0 | $3K | 2.66% |
| LAWRENCE FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $1K | $9 | $1K | 1.22% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 350 E SHORT ST. NUMBER 416 LEXINGTON, KY 40507 | AFLAC | $677 | $61 | $738 | 0.69% |
| MICHAEL LINDSAY CAMPBELL3 Filed as: MICHAEL CAMPBELL | PO BOX 320 LEXINGTON, KY 40588 | AFLAC | $452 | $0 | $452 | 0.42% |
| RPM LTD3 | 25 WEATHERBY CIR SAVANNAH, GA 31405 | AFLAC | $382 | $0 | $382 | 0.36% |
| RUEANN EMERSON3 | 4820 LAKE BROOK DR. STE 125 GLEN ALLEN, VA 23060 | AFLAC | $286 | $0 | $286 | 0.27% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4550 MARSHALL RUN CIR APT 308 GLEN ALLEN, GA 23059 | AFLAC | $191 | $0 | $191 | 0.18% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 276488 BOCA RATON, FL 33427 | AFLAC | $191 | $0 | $191 | 0.18% |
| CHERYL C NELSON3 Filed as: CHERYL NELSON | 722 LANDIS RIDGE DR. LOUISVILLE, KY 40245 | AFLAC | $105 | $0 | $105 | 0.10% |
| THOMAS A MORRIS AND ASSOC INC3 | 2322 PATCHEN WILKES DR. LEXINGTON, KY 40509 | AFLAC | $82 | $0 | $82 | 0.08% |
| SALLY MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $81 | $0 | $81 | 0.08% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $72 | $0 | $72 | 0.07% |
| OAK INSURANCE SERVICES LLC3 Filed as: OAK HILL FINANCIAL INSURANCE AGENCY | PO BOX 629 JACKSON, OH 45640 | AFLAC | $47 | $0 | $47 | 0.04% |
| DAVID HENDERSON3 | 2351 CRESCENT HILL DR. OWENSBORO, KY 42303 | AFLAC | $45 | $0 | $45 | 0.04% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BENNETT | 326 COLONY DR. VERSAILLES, KY 40383 | AFLAC | $44 | $0 | $44 | 0.04% |
| MICHAEL MCDONALD3 | 329 S. EUCLID AVE OAK PARK, IL 60302 | AFLAC | $42 | $0 | $42 | 0.04% |
| MIKEL MCKINLEY JR3 Filed as: MIKEL MCKINLEY JR. | 2807 KY HIGHWAY 36 W CYNTHIANA, KY 41031 | AFLAC | $39 | $0 | $39 | 0.04% |
| MARK ARTHUR MERCURIO3 Filed as: MARK MERCURIO | 1706 PERRY CORT PROSPECT, KY 40059 | AFLAC | $39 | $0 | $39 | 0.04% |
| JACI BRINKMAN3 | 7801 OARSMAN CT. EVANSVILLE, IN 47715 | AFLAC | $38 | $0 | $38 | 0.04% |
| R WRIGHT3 | 9200 SHELBYVILLE ROAD STE 605 LOUISVILLE, KY 40222 | AFLAC | $37 | $0 | $37 | 0.03% |
| BROCK POWELL3 | 125 PLANTATION CENTRE DR. S STE 900 MACON, GA 31210 | AFLAC | $33 | $0 | $33 | 0.03% |
| LAURA BETH KELLER3 Filed as: LAURA KELLER | 2220 EXECUTIVE DR. STE 204 LEXINGTON, KY 40505 | AFLAC | $33 | $0 | $33 | 0.03% |
| KATE HANSEN3 | 2414 LAKE PARK RD APT 4302 LEXINGTON, KY 40502 | AFLAC | $24 | $0 | $24 | 0.02% |
| REGINA CALDWELL3 | 2646 SINKING CREEK RD LONDON, KY 47264 | AFLAC | $23 | $0 | $23 | 0.02% |
| DANA SMITH3 | 10511 SANDBOURNE WAY LOUISVILLE, KY 40241 | AFLAC | $23 | $0 | $23 | 0.02% |
| JONATHAN C DAVIDSON3 Filed as: JONATHAN DAVIDSON | 9803 W STATE ROAD 58 NORMAN, IN 47264 | AFLAC | $22 | $0 | $22 | 0.02% |
| GARY DOWELL3 | PO BOX 1035 VERSAILLES, KY 40383 | AFLAC | $21 | $0 | $21 | 0.02% |
| ROBERT D WAKE3 | PO BOX 87 WASHINGTON, IL 47501 | AFLAC | $16 | $0 | $16 | 0.02% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 7713 INDEPENDENCE PL CRESTVIEW, KY 40014 | AFLAC | $16 | $0 | $16 | 0.02% |
| DONNA LIVINGSTON3 | 402 HANSGEN MORGAN RD WHEELERSBURG, OH 45694 | AFLAC | $16 | $0 | $16 | 0.02% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA FLY | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $12 | $0 | $12 | 0.01% |
| GEMINI INSURANCE INC3 Filed as: GEMINI INSURANCE INC. | 150 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $12 | $0 | $12 | 0.01% |
| ARTHUR PRIDDY3 | 214 LIBERTY RD JACKSON, TN 38305 | AFLAC | $12 | $0 | $12 | 0.01% |
| HEATHER MAMMEN3 | 468 BOB O LINK DR LEXINGTON, KY 40503 | AFLAC | $11 | $0 | $11 | 0.01% |
| THERESA J SMITH3 Filed as: THERESA SMITH | 3521 HURSTBOURNE RIDGE BLVD LOUISVILLE, KY 40299 | AFLAC | $11 | $0 | $11 | 0.01% |
| SALLY MCGUFFEY3 | 845 US HIGHWAY 27 N STANFORD, KY 40484 | AFLAC | $9 | $0 | $9 | 0.01% |
| DAVID EMERSON3 | 4820 LAKE BROOK DR. STE 125 GLEN ALLEN, VA 23060 | AFLAC | $8 | $0 | $8 | 0.01% |
| KATHRYN HOFFMAN3 | 755 DORGENE LANE CINCINNATI, OH 45244 | AFLAC | $8 | $0 | $8 | 0.01% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $7 | $0 | $7 | 0.01% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE ROAD STE 605 LOUISVILLE, KY 40222 | AFLAC | $6 | $0 | $6 | 0.01% |
| JOHN TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $6 | $0 | $6 | 0.01% |
| FRED L. HOFFMAN3 Filed as: FRED HOFFMAN | 28 APPLEWOOD DR. FAIRFIELD, OH 45014 | AFLAC | $6 | $0 | $6 | 0.01% |
| JEANNETTE FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $4 | $0 | $4 | 0.00% |
| DONALD D HAMMOCK3 | 2930 CATHEDRAL LANE CHARLESTON, SC 29414 | AFLAC | $4 | $0 | $4 | 0.00% |
| GARY DWAYN CHAMBERS3 Filed as: GARY CHAMBERS | 673 PROVIDENCE ROAD LEXINGTON, KY 40502 | AFLAC | $3 | $0 | $3 | 0.00% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $3 | $0 | $3 | 0.00% |
| GUY WILLIAM BARRY3 Filed as: GUY BARRY | 765 MALABU DRIVE LEXINGTON, KY 40502 | AFLAC | $3 | — | $3 | 0.00% |
| WALTER BOONE3 | 1604 ENGLISH OAK DR. ARLINGTON, TX 76016 | AFLAC | $2 | $0 | $2 | 0.00% |
| THOMAS W BOSTON3 Filed as: THOMAS WORKMAN | PO BOX 17761 COVINGTON, KY 41017 | AFLAC | $1 | $0 | $1 | 0.00% |
| BRANDY ANN HARTIN3 Filed as: BRANDY HARTIN | 500 KNIGHTS RUN AVE UNIT 1801 TAMPA, FM 33602 | AFLAC | $1 | $0 | $1 | 0.00% |
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT - LTD | $5K | $2K | $6K | 8.96% |
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | ANTHEM - VISION | $4K | $0 | $4K | 9.75% |
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT - VOL ADD | $1K | $0 | $1K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGREGOR & ASSOCIATES EIN 61-1211399 SERVICE CONTRACTOR | Contract Administrator Service code 13 | 997 GOVERNOR LANE SUITE 175 LEXINGTON, KY 40513 | $9K |
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 | 520 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | 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) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BAPTIST HEALTH PLAN - HEALTH INSURANCE | 663 | $2.7M |
| Dental | DELTA DENTAL | 720 | $170K |
| Vision | ANTHEM - VISION | 540 | $39K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT - LIFE | 487 | $191K |
| Short-term disability | AFLAC | 133 | $107K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT - LTD | 464 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 720 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.