| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL BANK INSURANCE AGENCY3 | 2400 HARRODSBURG RD LEXINGTON, KY 40503 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. - HEALTH | $104K | $0 | $104K | 3.43% |
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG RD LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT | $22K | $0 | $22K | 7.96% |
| CBIA3 Filed as: CBIA CENTRAL INSURANCE SERVICES | 2400 HARRODSBURG RD LEXINGTON, KY 40503 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 2.69% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $5K | $68 | $5K | 4.16% |
| PAULA C. FRIZZELL3 Filed as: PAULA FRIZZELL | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $3K | $457 | $4K | 3.21% |
| CBIA3 | 2400 HARRODSBURG RD LEXINGTON, KY 40503 | AFLAC | $3K | $0 | $3K | 2.97% |
| KEITH FRIZZELL3 | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $2K | $0 | $2K | 1.97% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $2K | $0 | $2K | 1.33% |
| HEATHER MAMMEN3 | 251 BIG EDDY RD FRANKFORT, KY 40601 | AFLAC | $1K | $105 | $1K | 1.09% |
| LAURA BETH KELLER3 | 2220 EXECUTIVE DR STE 204 LEXINGTON, KY 40505 | AFLAC | $884 | $94 | $978 | 0.83% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PL STE 26 LEXINGTON, KY 40509 | AFLAC | $513 | $11 | $524 | 0.45% |
| MICHAEL LINDSAY CAMPBELL3 | PO BOX 320 LEXINGTON, KY 40588 | AFLAC | $343 | $0 | $343 | 0.29% |
| RPM LTD3 | 25 WEATHERBY CIR SAVANNAH, GA 31405 | AFLAC | $296 | $0 | $296 | 0.25% |
| DAVID CAROTHERS3 | PO BOX 879 BLANCHARD, OK 73010 | AFLAC | $198 | $0 | $198 | 0.17% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $150 | $0 | $150 | 0.13% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 2819 N PARHAM RD STE 240 RICHMOND, VA 23294 | AFLAC | $133 | $0 | $133 | 0.11% |
| RUEANN EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $123 | $0 | $123 | 0.10% |
| PATRICIA L CAROTHERS3 Filed as: PATRICIA CAROTHERS | PO BOX 879 BLANCHARD, OK 73010 | AFLAC | $105 | $0 | $105 | 0.09% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 1856 TRAVELLER RD LEXINGTON, KY 40504 | AFLAC | $85 | $0 | $85 | 0.07% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $70 | $0 | $70 | 0.06% |
| SALLY MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $68 | $0 | $68 | 0.06% |
| THOMAS A MORRIS AND ASSOC INC3 | 2322 PATCHEN WILKES DR LEXINGTON, KY 40509 | AFLAC | $64 | $0 | $64 | 0.05% |
| BRADLEY L ELLIS3 | 1500 BEVILLE RD STE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $43 | $0 | $43 | 0.04% |
| DAVID HENDERSON3 | 2351 CRESCENT HILL DR OWENSBORO, KY 42303 | AFLAC | $42 | $0 | $42 | 0.04% |
| CHERYL C NELSON3 Filed as: CHERYL NELSON | 722 LANDIS RIDGE DR LOUISVILLE, KY 40245 | AFLAC | $41 | $0 | $41 | 0.03% |
| MICHAEL MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $39 | $0 | $39 | 0.03% |
| MARK ARTHUR MERCURIO3 | 1706 PERRY CT PROSPECT, KY 40059 | AFLAC | $37 | $0 | $37 | 0.03% |
| JACI BRINKMAN3 | 109 OLDE NEWBURGH DR NEWBURGH, IN 47630 | AFLAC | $35 | $0 | $35 | 0.03% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $34 | $0 | $34 | 0.03% |
| DARREN WARREN3 | 13504 N 2320 RD GOTEBO, OK 73041 | AFLAC | $32 | $0 | $32 | 0.03% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $32 | $0 | $32 | 0.03% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BENNETT | PO BOX 1268 VERSAILLES, KY 40383 | AFLAC | $31 | $0 | $31 | 0.03% |
| THE DIAMOND AGENCY LLC3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $27 | $0 | $27 | 0.02% |
| DAVID EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $23 | $0 | $23 | 0.02% |
| BROCK POWELL3 | 3944 MURPHY CANYON RD STE C203 SAN DIEGO, CA 92123 | AFLAC | $22 | $0 | $22 | 0.02% |
| JONATHAN C DAVIDSON3 Filed as: JONATHAN DAVIDSON | 9803 W STATE RD 58 NORMAN, IN 47264 | AFLAC | $21 | $0 | $21 | 0.02% |
| DANA SMITH3 | 10511 SANDBOURNE WAY LOUISVILLE, KY 40241 | AFLAC | $21 | $0 | $21 | 0.02% |
| GARY DOWELL3 Filed as: GARY WAYNE DOWELL | PO BOX 1035 VERSAILLES, KY 40383 | AFLAC | $20 | $0 | $20 | 0.02% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 12140 MANOR WALK DR GLEN ALLEN, VA 23059 | AFLAC | $14 | $0 | $14 | 0.01% |
| ROBERT D WAKE3 Filed as: ROBERT WAKE | PO BOX 87 WASHINGTON, IN 47501 | AFLAC | $14 | $0 | $14 | 0.01% |
| LARRY D DENNY3 Filed as: LARRY DENNY | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $14 | $0 | $14 | 0.01% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $13 | $0 | $13 | 0.01% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK RD LONDON, KY 40741 | AFLAC | $11 | $0 | $11 | 0.01% |
| THERESA J SMITH3 Filed as: THERESA SMITH | 18411 STANDWICK DR LOUISVILLE, KY 40245 | AFLAC | $11 | $0 | $11 | 0.01% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $11 | $0 | $11 | 0.01% |
| EMPLOYEE BENEFITS & INS SOLUTIONS3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $11 | $0 | $11 | 0.01% |
| ARTHUR PRIDDY3 | 214 LIBERTY RD JACKSON, TN 38305 | AFLAC | $11 | $0 | $11 | 0.01% |
| RUEANN EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $10 | $0 | $10 | 0.01% |
| SALLY MCGUFFEY3 Filed as: SALLY MCGUFFY | 845 US HIGHWAY 27 N STANFORD, KY 40484 | AFLAC | $9 | $0 | $9 | 0.01% |
| B ORELLA BENNETT3 | PO BOX 1268 VERSAILLES, KY 40383 | AFLAC | $9 | $0 | $9 | 0.01% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LN EDMOND, OK 73034 | AFLAC | $6 | $0 | $6 | 0.01% |
| JEANNETTE FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $6 | $0 | $6 | 0.01% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $5 | $0 | $5 | 0.00% |
| GARY DWAYN CHAMBERS3 | 673 PROVIDENCE RD LEXINGTON, KY 40502 | AFLAC | $5 | $0 | $5 | 0.00% |
| DONALD D HAMMOCK3 Filed as: DONALD HAMMOCK | 2930 CATHEDRAL LANE CHARLESTON, SC 29414 | AFLAC | $4 | $0 | $4 | 0.00% |
| SHANE M OWEN3 Filed as: SHANE OWEN | 3000 UNITED FOUNDERS BLVD STE 100 OKLAHOMA CITY, OK 73112 | AFLAC | $3 | $0 | $3 | 0.00% |
| WALTER BOONE3 | 635 ARROWOOD RD RUTHERFORDTON, NC 28139 | AFLAC | $2 | $0 | $2 | 0.00% |
| THOMAS W BOSTON3 Filed as: THOMAS WORKMAN | PO BOX 17761 COVINGTON, KY 41017 | AFLAC | $2 | $0 | $2 | 0.00% |
| BRANDY ANN HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $2 | $0 | $2 | 0.00% |
| JAMES M FLETCHER3 Filed as: JAMES FLETCHER | 7325 CLUBHOUSE DR FORT WAYNE, IN 46835 | 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% |
| BRYAN MARTIN3 | 17102 MALLET HILL DR LOUISVILLE, KY 40245 | AFLAC | $1 | $0 | $1 | 0.00% |
| CENTRAL BANK INSURANCE AGENCY3 | 2400 HARRODSBURG RD LEXINGTON, KY 40503 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. - VISION | $0 | $0 | $0 | 0.00% |
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG RD LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT | $960 | $0 | $960 | 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 | $21K |
| MCGREGOR & ASSOCIATES, INC. EIN 61-1211399 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 997 GOVERNORS LANE SUITE 175 LEXINGTON, KY 40513 | $6K |
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 | 528 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. - HEALTH | 656 | $3.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 718 | $193K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. - VISION | 559 | $41K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 512 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.