| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL BANK INSURANCE AGENCY3 | 2424 HARRODSBURG RD. SUITE 102 LEXINGTON, KY 40503 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. - HEALTH | $95K | $0 | $95K | 3.38% |
| CENTRAL BANK INSURANCE AGENCY3 | 2424 HARRODSBURG RD. LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT | $22K | $0 | $22K | 8.00% |
| CBIA3 Filed as: CBIA CENTRAL INSURANCE SERVICES | 2424 HARRODSBURG RD. LEXINGTON, KY 40503 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 2.13% |
| PAULA C. FRIZZELL3 Filed as: PAULA FRIZZELL | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $4K | $329 | $4K | 3.65% |
| KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $2K | $0 | $2K | 1.74% |
| CENTRAL BANK INSURANCE AGENCY3 | 2424 HARRODSBURG RD. SUITE 102 LEXINGTON, KY 40503 | AFLAC | $2K | $0 | $2K | 1.71% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $2K | $131 | $2K | 1.63% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PL STE 26 LEXINGTON, KY 40509 | AFLAC | $918 | $107 | $1K | 0.94% |
| HEATHER MAMMEN3 | 251 BIG EDDY RD. FRANKFORT, KY 40601 | AFLAC | $769 | $100 | $869 | 0.80% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $832 | $0 | $832 | 0.76% |
| MICHAEL LINDSAY CAMPBELL3 | PO BOX 320 LEXINGTON, KY 40588 | AFLAC | $272 | $0 | $272 | 0.25% |
| RPM LTD3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $225 | $0 | $225 | 0.21% |
| DAVID CAROTHERS3 | PO BOX 879 BLANCHARD, OK 73010 | AFLAC | $198 | $0 | $198 | 0.18% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $134 | $0 | $134 | 0.12% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $114 | $0 | $114 | 0.10% |
| PATRICIA L CAROTHERS3 | PO BOX 879 BLANCHARD, OK 73010 | AFLAC | $105 | $0 | $105 | 0.10% |
| JOSHUA C BURTON3 | 2819 N PARHAM RD STE 240 RICHMOND, VA 23294 | AFLAC | $99 | $0 | $99 | 0.09% |
| RUEANN EMERSON3 | 2013 OLD RIDGE WAY SUITE 150 #202 LELAND, NC 28451 | AFLAC | $81 | $0 | $81 | 0.07% |
| SALLY A MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $67 | $0 | $67 | 0.06% |
| ROGER L BENNETT3 | PO BOX 1268 VERSAILLES, KY 40383 | AFLAC | $47 | $0 | $47 | 0.04% |
| THOMAS A MORRIS AND ASSOC INC3 | 2322 PATCHEN WILKES DR LEXINGTON, KY 40509 | AFLAC | $45 | $0 | $45 | 0.04% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $39 | $0 | $39 | 0.04% |
| CHERYL C NELSON3 | 722 LANDIS RIDGE DR LOUISVILLE, KY 40245 | AFLAC | $38 | $0 | $38 | 0.03% |
| MARK ARTHUR MERCURIO3 | 1706 PERRY CT PROSPECT, KY 40059 | AFLAC | $37 | $0 | $37 | 0.03% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $35 | $0 | $35 | 0.03% |
| DARREN R WARREN3 | 13504 N 2320 RD GOTEBO, OK 73041 | AFLAC | $32 | $0 | $32 | 0.03% |
| THE DIAMOND AGENCY LLC3 | 2013 OLD RIDGE WAY SUITE 190 #202 LELAND, NC 28451 | AFLAC | $31 | $0 | $31 | 0.03% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $29 | $0 | $29 | 0.03% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $25 | $0 | $25 | 0.02% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $22 | $0 | $22 | 0.02% |
| JONATHAN C DAVIDSON3 | 9803 W STATE ROAD 58 NORMAN, IN 47264 | AFLAC | $21 | $0 | $21 | 0.02% |
| DANA SMITH3 Filed as: DANA A SMITH | 149 ROSSWOODS DR PEWEE VALLEY, KY 40056 | AFLAC | $21 | $0 | $21 | 0.02% |
| RUEANN EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $20 | $0 | $20 | 0.02% |
| DAVID HENDERSON3 Filed as: DAVID M HENDERSON | 2351 CRESCENT HILL DR OWENSBORO, KY 42303 | AFLAC | $19 | $0 | $19 | 0.02% |
| JACI BRINKMAN3 Filed as: JACI L BRINKMAN | 8488 YORKRIDGE CT NEWBURGH, IN 47630 | AFLAC | $16 | $0 | $16 | 0.01% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $14 | $0 | $14 | 0.01% |
| DAVID A EMERSON3 | 2013 OLD RIDGE WAY SUITE 150 #202 LELAND, NC 28451 | AFLAC | $13 | $0 | $13 | 0.01% |
| THERESA J SMITH3 | 18411 STANDWICK DR LOUISVILLE, KY 40245 | AFLAC | $11 | $0 | $11 | 0.01% |
| JAMES A RIED3 | 6036 BEAR CREEK CT COLUMBUS, GA 31909 | AFLAC | $11 | $0 | $11 | 0.01% |
| R AARON WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $11 | $0 | $11 | 0.01% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $11 | $0 | $11 | 0.01% |
| SALLY MCGUFFEY3 | 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% |
| REGINA G CALDWELL3 Filed as: REGINA OWEN CALDWELL | 2046 SINKING CREEK RD LONDON, KY 40741 | AFLAC | $9 | $0 | $9 | 0.01% |
| CURTIS SCHWARTZ3 | 599 CHESTNUT ST BEREA, KY 40403 | AFLAC | $7 | $0 | $7 | 0.01% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LN EDMOND, OK 73034 | AFLAC | $6 | $0 | $6 | 0.01% |
| ROBERT D WAKE3 | PO BOX 87 WASHINGTON, IN 47501 | AFLAC | $6 | $0 | $6 | 0.01% |
| JEANNETTE E FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $5 | $0 | $5 | 0.00% |
| GARY DWAYN CHAMBERS3 | 673 PROVIDENCE RD LEXINGTON, KY 40502 | AFLAC | $5 | $0 | $5 | 0.00% |
| SHANE M OWEN3 | 8413 NW 106TH ST OKLAHOMA CITY, OK 73162 | AFLAC | $3 | $0 | $3 | 0.00% |
| DAVID A EMERSON3 | 4038 BATIK CT LELAND, NC 28451 | AFLAC | $3 | $0 | $3 | 0.00% |
| THOMAS W BOSTON3 Filed as: THOMAS WORKMAN | PO BOX 17761 COVINGTON, KY 41017 | AFLAC | $2 | $0 | $2 | 0.00% |
| BRANDY ANN HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $2 | $0 | $2 | 0.00% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $2 | $0 | $2 | 0.00% |
| WALTER BOONE3 Filed as: WALTER E BOONE | 635 ARROWOOD RD RUTHERFORDTON, NC 28139 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES M FLETCHER3 | 7325 CLUBHOUSE DR FORT WAYNE, IN 46835 | AFLAC | $1 | $0 | $1 | 0.00% |
| DONALD D HAMMOCK3 | 2930 CATHEDRAL LANE CHARLESTON, SC 29414 | AFLAC | $1 | $0 | $1 | 0.00% |
| BRYAN MARTIN3 Filed as: BRYAN D MARTIN | 17102 MALLET HILL DR LOUISVILLE, KY 40245 | AFLAC | $1 | $0 | $1 | 0.00% |
| CENTRAL BANK INSURANCE AGENCY3 | 2424 HARRODSBURG RD. SUITE 102 LEXINGTON, KY 40503 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. - VISION | $0 | $0 | $0 | 0.00% |
| CENTRAL BANK INSURANCE AGENCY3 | 2424 HARRODSBURG RD. LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT | $915 | $0 | $915 | 20.00% |
| 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 | 514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. - HEALTH | 622 | $2.8M |
| Dental | DELTA DENTAL OF KENTUCKY | 692 | $179K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. - VISION | 579 | $40K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 488 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 692 | — |
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.