| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG RD LEXINGTON, KY 40503 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $95K | $0 | $95K | 3.71% |
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT | $19K | $626 | $19K | 9.53% |
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | DELTA DENTAL OF KENTUCKY | $4K | $0 | $4K | 2.38% |
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT - LTD | $5K | $227 | $5K | 6.41% |
| CENTRAL INSURANCE SERVICES3 | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. VISION | $0 | $0 | $0 | 0.00% |
| PAULA C. FRIZZELL3 Filed as: PAULA C FRIZZELL | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $7K | $130 | $7K | — |
| BRYAN KEITH FRIZZELL3 Filed as: BRYAN KEITHFRIZZELL | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $3K | $473 | $4K | — |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CENTRAL INSRUANCE SERVICES | 2400 HARRODSBURG ROAD LEXINGTON, KY 40503 | AFLAC | $4K | $0 | $4K | — |
| KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $2K | $0 | $2K | — |
| LAURA BETH KELLER3 | 141 PROSPEROUS PL SUITE 26 LEXINGTON, KY 40509 | AFLAC | $2K | $121 | $2K | — |
| HEATHER L MAMMEN3 | 251 BIG EDDY RD FRANKFORT, KY 40601 | AFLAC | $2K | $121 | $2K | — |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DR. LEXINGTON, KY 40515 | AFLAC | $1K | $0 | $1K | — |
| MICHAEL LINDSAY CAMPBELL3 | PO BOX 320 LEXINGTON, KY 40588 | AFLAC | $336 | $0 | $336 | — |
| RPM LTD3 | 25 WEATHERBY CIRCLE SAVANNAH, GA 31405 | AFLAC | $284 | — | $284 | — |
| DAVID CAROTHERS3 | PO BOX 273488 BLANCHARD, OK 73010 | AFLAC | $216 | $0 | $216 | — |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $147 | $0 | $147 | — |
| DALE I DAVIS3 | 5892 CEDAR CREEK LN LEXINGTON, KY 40515 | AFLAC | $141 | $0 | $141 | — |
| RUEANN EMERSON3 | 1017 ASHES DRIVE STE 106 WILMINGTON, NC 28405 | AFLAC | $124 | $0 | $124 | — |
| JOSHUA C BURTON3 | 2819 N PARHAMRD STE240 RICHMOND, VA 23294 | AFLAC | $121 | $0 | $121 | — |
| PATRICIA L CAROTHERS3 Filed as: PATRICIA CAROTHERS | PO BOX 879 BLANCHARD, OK 73010 | AFLAC | $114 | $0 | $114 | — |
| SALLY MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $77 | $0 | $77 | — |
| THOMAS A MORRIS AND ASSOC INC3 | 2322 PATCHEN WILKES DR LEXINGTON, KY 40509 | AFLAC | $69 | $0 | $69 | — |
| ROGER L BENNETT3 | PO BOX 1268 VERSAILLES, KY 40383 | AFLAC | $48 | $0 | $48 | — |
| CHERYL C NELSON3 | 722 LANDIS RIDGE DR LOUISVILLE, KY 40245 | AFLAC | $45 | $0 | $45 | — |
| DAVID HENDERSON3 Filed as: DAVID M HENDERSON | 2351 CRESCENT HILL DR OWENSBORO, KY 42303 | AFLAC | $45 | $0 | $45 | — |
| DAVID HENDERSON3 Filed as: DAVID M HENDERSON | 2351 CRESCENT HILL DR. OSENSBORO, KY 42303 | AFLAC | $45 | $0 | $45 | — |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 11226 JORDAN CT OAK PARK, IL 80134 | AFLAC | $43 | $0 | $43 | — |
| MICHAEL L MCDONALD3 | 329 S. EUCLID AVE OAK PARK, IL 60302 | AFLAC | $42 | $0 | $42 | — |
| THE DIAMOND AGENCY LLC3 | 1017 ASHES DR. STE 106 WILMINGTON, NC 28405 | AFLAC | $40 | $0 | $40 | — |
| MARK ARTHUR MERCURIO3 | 1706 PERRY CT PROSPECT, KY 40059 | AFLAC | $40 | $0 | $40 | — |
| JACI BRINKMAN3 Filed as: JACI L BRINKMAN | 109 OLDE NEWBURGH DR. NEWBURGH, IN 47630 | AFLAC | $38 | $0 | $38 | — |
| DARREN R WARREN3 | 13504 N 2320 RD GOTEBO, OK 73041 | AFLAC | $35 | $0 | $35 | — |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $33 | $0 | $33 | — |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $31 | $0 | $31 | — |
| DALE IRA DAVIS3 | 5892 CEDAR CREEK LANE LEXINGTON, KY 40515 | AFLAC | $28 | $0 | $28 | — |
| BROCK POWELL3 | 3944 MURPHY CANYON ROAD STE C203 SAN DIEGO, CA 92123 | AFLAC | $24 | $0 | $24 | — |
| JONATHON DAVIDSON3 | 9803 W STATE ROAD 58 NORMA, IN 47264 | AFLAC | $23 | $0 | $23 | — |
| DANA SMITH3 Filed as: DANA A SMITH | 10511 SANDBOURNE WAY LOUISVILLE, KY 40241 | AFLAC | $23 | $0 | $23 | — |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $16 | $0 | $16 | — |
| ROBERT D WAKE3 | PO BOX 87 WASHINGTON, IN 47501 | AFLAC | $15 | $0 | $15 | — |
| R AARON WRIGHT3 | 9505 TUSCOTT CT PROSPECT, KY 40059 | AFLAC | $14 | $0 | $14 | — |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $13 | $0 | $13 | — |
| THERESA J SMITH3 | 18411 STNDWICK DR. LOUISVILLE, KY 40245 | AFLAC | $12 | $0 | $12 | — |
| DAVID A EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $12 | $0 | $12 | — |
| JAMES A RIED3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $11 | $0 | $11 | — |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK RD LONDON, KY 40741 | AFLAC | $11 | $0 | $11 | — |
| SALLY MCGUFFEY3 | 845 US HIGHWAY 27 N STANFORD, KY 40484 | AFLAC | $9 | $0 | $9 | — |
| B ORELLA BENNETT3 | PO BOX 1268 VERSAILLES, KY 40383 | AFLAC | $9 | $0 | $9 | — |
| DAVID A EMERSON3 | 4038 BATIK CT LELAND, NC 28451 | AFLAC | $8 | $0 | $8 | — |
| CURTIS SCHWARTZ3 | 599 CHESTNUT ST. BEREA, KY 40403 | AFLAC | $7 | $0 | $7 | — |
| JOHN D TYLER3 Filed as: JOHN D TYER | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $6 | $0 | $6 | — |
| GARY DWAYN CHAMBERS3 | 673 PROVIDENCE RD LEXINGTON, KY 40503 | AFLAC | $6 | $0 | $6 | — |
| JEANNETTE E FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $6 | $0 | $6 | — |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LN EDMOND, OK 73034 | AFLAC | $6 | $0 | $6 | — |
| DONALD D HAMMOCK3 | 2930 CATHEDRAL LANE CHARLESTON, SC 29414 | AFLAC | $4 | $0 | $4 | — |
| THOMAS W BOSTON3 Filed as: THOMAS WORKMAN | PO BOX 17761 COVINGTON, KY 41017 | AFLAC | $3 | $0 | $3 | — |
| BRANDY ANN HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $3 | $0 | $3 | — |
| SHANE M OWEN3 | 3000 UNITED FOUNDERS BLVD STE 100 ODLAHOMA CITY, OK 73112 | AFLAC | $3 | $0 | $3 | — |
| WALTER BOONE3 Filed as: WALTER E BOONE | 635 ARROWOOD RD RUTERHFORDTON, NC 28139 | AFLAC | $2 | $0 | $2 | — |
| EMPLOYEE BENEFITS & INS SOLUTIONS3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $1 | $0 | $1 | — |
| JAMES M FLETCHER3 | 7325 CLUBOUSE DR FORT WAYNE, IN 46835 | AFLAC | $1 | $0 | $1 | — |
| BRYAN MARTIN3 Filed as: BRYAN D MARTIN | 17102 MALLET HILL DR LOUISVILLE, KY 40245 | AFLAC | $1 | $0 | $1 | — |
| 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, INCL 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 | 524 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 627 | $2.6M |
| Dental | DELTA DENTAL OF KENTUCKY | 688 | $182K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. VISION | 555 | $40K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 496 | $204K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT - LTD | 478 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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.