| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL BANK INSURANCE AGENCY3 | 2400 HARRODSBURG RD LEXINGTON, KY 40503 | BAPTIST HEALTH PLAN | $87K | $0 | $87K | 3.07% |
| CENTRAL BANK INSURANCE AGENCY3 | 2400 HARRODSBURG RD LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT | $21K | $0 | $21K | 8.58% |
| CENTRAL BANK INSURANCE AGENCY3 | 2400 HARRODSBURG RD LEXINGTON, KY 40503 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 2.60% |
| PAULA CUTTER3 | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $7K | $483 | $7K | 6.09% |
| BRYAN FISH3 Filed as: BRYAN FRIZZELL | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $6K | $120 | $6K | 5.26% |
| CBIA3 | 2400 HARRODSBURG RD LEXINGTON, KY 40503 | AFLAC | $5K | $0 | $5K | 4.50% |
| LAWRENCE FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $2K | $0 | $2K | 1.71% |
| LAURA BETH KELLER3 Filed as: LAURA KELLER | 2220 EXECUTIVE DR STE 204 LEXINGTON, KY 40505 | AFLAC | $836 | $12 | $848 | 0.69% |
| MICHAEL LINDSAY CAMPBELL3 Filed as: MICHAEL CAMPBELL | PO BOX 320 LEXINGTON, KY 40588 | AFLAC | $423 | $0 | $423 | 0.35% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 1856 TRAVELLER RD LEXINGTON, KY 40504 | AFLAC | $295 | $95 | $390 | 0.32% |
| RPM LTD3 | 25 WEATHERBY CIR SAVANNAH, GA 31405 | AFLAC | $359 | $0 | $359 | 0.29% |
| RUEANN EMERSON3 | 11551 NUCKOLS RD STE P GLEN ALLEN, VA 23059 | AFLAC | $237 | $0 | $237 | 0.19% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4550 MARSHALL RUN CIR APT 308 GLEN ALLEN, VA 23059 | AFLAC | $181 | $0 | $181 | 0.15% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $177 | $0 | $177 | 0.14% |
| CHERYL C NELSON3 Filed as: CHERYL NELSON | 722 LANDIS RIDGE DR LOUISVILLE, KY 40245 | AFLAC | $83 | $0 | $83 | 0.07% |
| SALLY MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $74 | $0 | $74 | 0.06% |
| THOMAS A MORRIS AND ASSOC INC3 | 2322 PATCHEN WILKES DR LEXINGTON, KY 40509 | AFLAC | $68 | $0 | $68 | 0.06% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $62 | $0 | $62 | 0.05% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 1500 BEVILLE RD STE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $59 | $0 | $59 | 0.05% |
| 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% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA FLY | PO BOX 206 NORTH MIDDLETON, KY 40357 | AFLAC | $43 | $0 | $43 | 0.04% |
| MICHAEL MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $42 | $0 | $42 | 0.03% |
| MARK ARTHUR MERCURIO3 Filed as: MARK MERCURIO | 1706 PERRY COURT PROSPECT, KY 40059 | AFLAC | $40 | $0 | $40 | 0.03% |
| JACI BRINKMAN3 | 7801 OARSMAN JCT EVANSVILLE, IN 47715 | AFLAC | $38 | $0 | $38 | 0.03% |
| BROCK POWELL3 | 107 SOUTHERN BLVD STE 103A SAVANNAH, GA 31405 | AFLAC | $34 | $0 | $34 | 0.03% |
| REGINA CALDWELL3 | 2048 SINKING CREEK RD LONDON, KY 40741 | AFLAC | $33 | $0 | $33 | 0.03% |
| DAVID EMERSON3 | 11551 NUCKOLS RD STE P GLEN ALLEN, VA 23059 | AFLAC | $32 | $0 | $32 | 0.03% |
| R WRIGHT3 | 9200 SHELBYVILLE ROAD STE 605 LOUISVILLE, KY 40222 | AFLAC | $29 | $0 | $29 | 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 | $23 | $0 | $23 | 0.02% |
| GARY DOWELL3 | PO BOX 1035 VERSAILLES, KY 40383 | AFLAC | $21 | $0 | $21 | 0.02% |
| MIKEL MCKINLEY JR3 | 2807 KY HIGHWAY 36 W CYNTHIANA, KY 41031 | AFLAC | $20 | $0 | $20 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE RD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $20 | $0 | $20 | 0.02% |
| DONNA LIVINGSTON3 | 402 HANSGEN MORGAN RD WHEELERSBURG, OH 45694 | AFLAC | $16 | $0 | $16 | 0.01% |
| ROBERT D WAKE3 | PO BOX 87 WASHINGTON, IN 47501 | AFLAC | $15 | $0 | $15 | 0.01% |
| ARTHUR PRIDDY3 | 214 LIBERTY RD JACKSON, TN 38305 | AFLAC | $12 | $0 | $12 | 0.01% |
| JEANETTE FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $12 | $0 | $12 | 0.01% |
| EMPLOYEE BENEFITS & INS SOLUTIONS3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $12 | $0 | $12 | 0.01% |
| THERESA J SMITH3 Filed as: THERESA SMITH | 3521 HURSTBOURNE RIDGE BLVD LOUISVILLE, KY 40299 | AFLAC | $12 | $0 | $12 | 0.01% |
| SALLY MCGUFFEY3 | 845 US HIGHWAY 27 N STANFORD, KY 40484 | AFLAC | $9 | $0 | $9 | 0.01% |
| KATHRYN HOFFMAN3 | 755 DORGENE LANE CINCINNATI, OH 45244 | AFLAC | $9 | $0 | $9 | 0.01% |
| GARY DWAYN CHAMBERS3 Filed as: GARY CHAMBERS | 673 PROVIDENCE ROAD LEXINGTON, KY 40502 | AFLAC | $8 | $0 | $8 | 0.01% |
| HEATHER MAMMEN3 | 468 BOB O LINK DR LEXINGTON, KY 40503 | AFLAC | $6 | $0 | $6 | 0.00% |
| FRED L. HOFFMAN3 Filed as: FRED HOFFMAN | 28 APPLEWOOD DR FAIRFIELD, OH 45014 | AFLAC | $6 | $0 | $6 | 0.00% |
| JOHN TYLER3 | 18632 WOLF CREEK DR EDMOND, OK 73012 | AFLAC | $6 | $0 | $6 | 0.00% |
| KATE HANSEN3 | 2414 LAKE PARK RD APT 4302 LEXINGTON, KY 40502 | AFLAC | $5 | $0 | $5 | 0.00% |
| TONIA HAMMOCK3 | 2930 CATHEDRAL LN CHARLESTON, SC 29414 | AFLAC | $4 | $0 | $4 | 0.00% |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OH 44140 | AFLAC | $4 | $0 | $4 | 0.00% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $3 | $0 | $3 | 0.00% |
| BRANDY ANN HARTIN3 Filed as: BRANDY HARTIN | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $3 | $0 | $3 | 0.00% |
| THOMAS W BOSTON3 Filed as: THOMAS WORKMAN | PO BOX 17761 COVINGTON, KY 41017 | AFLAC | $3 | $0 | $3 | 0.00% |
| GUY WILLIAM BARRY3 Filed as: GUY BARRY | 785 MALABU DR LEXINGTON, KY 40502 | AFLAC | $2 | $0 | $2 | 0.00% |
| WALTER BOONE3 | 1604 ENGLISH OAK DR ARLINGTON, TX 76016 | AFLAC | $2 | $0 | $2 | 0.00% |
| BRYAN MARTIN3 | 17102 MALLET HILL DR LOUISVILLE, KY 40245 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES M FLETCHER3 Filed as: JAMES FLETCHER | 254 JOHN ST AURORA, IN 47001 | AFLAC | $1 | $0 | $1 | 0.00% |
| KANDACE M MCCARTHY3 Filed as: KANDACE MCCARTHY | 304 CANTERFIELD PKWY W PO BOX 1047 WEST DUNDEE, IL 60118 | AFLAC | $1 | $0 | $1 | 0.00% |
| CENTRAL BANK INSURANCE AGENCY3 | 2400 HARRODSBURG RD LEXINGTON, KY 40503 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. - VISION | $4K | $0 | $4K | 9.76% |
| CENTRAL BANK INSURANCE AGENCY3 | 2400 HARRODSBURG RD LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMAN DEVELOPMENT COMPANY EIN 61-1108172 COUNSELING SERVICE | Other services Service code 49 | 332 W BROADWAY SUITE 915 LEXINGTON, KY 40513 | $20K |
| MCGREGOR & ASSOCIATES INC EIN 61-1211399 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 997 GOVERNORS 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 | 530 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | 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) | 565 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BAPTIST HEALTH PLAN | 647 | $2.8M |
| Dental | DELTA DENTAL OF KENTUCKY | 717 | $173K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. - VISION | 537 | $39K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 496 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.