| 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 | $97K | $0 | $97K | 3.06% |
| CENTRAL BANK INSURANCE AGENCY3 | 2424 HARRODSBURG RD. SUITE 102 LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT | $22K | $0 | $22K | 7.63% |
| CBIA3 Filed as: CBIA CENTRAL INSURANCE SERVICES | 2424 HARRODSBURG RD. SUITE 102 LEXINGTON, KY 40503 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 1.88% |
| BRYAN FISH3 Filed as: BRYAN FRIZZELL | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $5K | $7 | $5K | 4.09% |
| PAULA C. FRIZZELL3 Filed as: PAULA FRIZZELL | 945 STAR SHOOT PKWY LEXINGTON, KY 40509 | AFLAC | $4K | $35 | $4K | 3.11% |
| CBIA3 | 2424 HARRODSBURG RD. SUITE 102 LEXINGTON, KY 40503 | AFLAC | $2K | $0 | $2K | 1.94% |
| LAURA BETH KELLER3 Filed as: LAURA KELLER | 445 MADISON POINT DR LEXINGTON, KY 40515 | AFLAC | $1K | $10 | $1K | 0.98% |
| LAWRENCE FUGATE3 | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | AFLAC | $819 | $0 | $819 | 0.69% |
| HEATHER MAMMEN3 | 251 BIG EDDY RD FRANKFORT, KY 40601 | AFLAC | $749 | $0 | $749 | 0.63% |
| MICHAEL LINDSAY CAMPBELL3 Filed as: MICHAEL CAMPBELL | PO BOX 320 LEXINGTON, KY 40588 | AFLAC | $293 | $0 | $293 | 0.25% |
| RPM LTD3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $237 | $0 | $237 | 0.20% |
| DAVID CAROTHERS3 | PO BOX 879 BLANCHARD, OK 73010 | AFLAC | $234 | $0 | $234 | 0.20% |
| RUEANN EMERSON3 | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $126 | $0 | $126 | 0.11% |
| PATRICIA L CAROTHERS3 Filed as: PATRICIA CAROTHERS | PO BOX 879 BLANCHARD, OK 73010 | AFLAC | $124 | $0 | $124 | 0.11% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $119 | $0 | $119 | 0.10% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4198 COX RD STE 113 GLEN ALLEN, VA 23060 | AFLAC | $112 | $0 | $112 | 0.09% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $105 | $0 | $105 | 0.09% |
| SALLY MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $69 | $0 | $69 | 0.06% |
| THOMAS A MORRIS AND ASSOC INC3 | 2322 PATCHEN WILKES DR LEXINGTON, KY 40509 | AFLAC | $45 | $0 | $45 | 0.04% |
| MARK ARTHUR MERCURIO3 Filed as: MARK MERCURIO | 1706 PERRY CT PROSPECT, KY 40059 | AFLAC | $44 | $0 | $44 | 0.04% |
| DARREN WARREN3 | 13504 N 2320 RD GOTEBO, OK 73041 | AFLAC | $38 | $0 | $38 | 0.03% |
| CHERYL C NELSON3 Filed as: CHERYL NELSON | 722 LANDIS RIDGE DR LOUISVILLE, KY 40245 | AFLAC | $38 | $0 | $38 | 0.03% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $34 | $0 | $34 | 0.03% |
| MICHAEL MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $32 | $0 | $32 | 0.03% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $31 | $0 | $31 | 0.03% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA FLY | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $27 | $0 | $27 | 0.02% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 32003 | AFLAC | $26 | $0 | $26 | 0.02% |
| JONATHAN C DAVIDSON3 Filed as: JONATHAN DAVIDSON | 9803 W STATE ROAD 58 NORMAN, IN 47264 | AFLAC | $25 | $0 | $25 | 0.02% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BENNETT | 326 COLONY DR VERSAILLES, KY 40383 | AFLAC | $25 | $0 | $25 | 0.02% |
| LARRY D DENNY3 Filed as: LARRY DENNY | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $17 | $0 | $17 | 0.01% |
| DAVID EMERSON3 | 142 NE 1ST ST OAK ISLAND, NC 28465 | AFLAC | $17 | $0 | $17 | 0.01% |
| DANA SMITH3 | 149 ROSSWOODS DR PEWEE VALLEY, KY 40056 | AFLAC | $17 | $0 | $17 | 0.01% |
| THERESA J SMITH3 Filed as: THERESA SMITH | 18411 STANDWICK DR LOUISVILLE, KY 40245 | AFLAC | $13 | $0 | $13 | 0.01% |
| HARLENE MATZA3 | 101 SPRINGWOOD LN MOORESVILLE, NC 28117 | AFLAC | $10 | $0 | $10 | 0.01% |
| REGINA CALDWELL3 | 2046 SINKING CREEK RD LONDON, KY 40741 | AFLAC | $10 | $0 | $10 | 0.01% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $9 | $0 | $9 | 0.01% |
| JAMES A RIED3 Filed as: JAMES RIED | 6036 BEAR CREEK CR COLUMBUS, GA 31909 | AFLAC | $9 | $0 | $9 | 0.01% |
| R WRIGHT3 | 9505 TRUSCOTT CT PROSPECT, KY 40059 | AFLAC | $9 | $0 | $9 | 0.01% |
| SALLY MCGUFFEY3 | 845 US HIGHWAY 27 N STANFORD, KY 40484 | AFLAC | $8 | $0 | $8 | 0.01% |
| HAL W MOFFATT3 Filed as: HAL MOFFATT | 1221 LAMPLIGHTER LN EDMOND, OK 73034 | AFLAC | $7 | $0 | $7 | 0.01% |
| JOYCE WEBER ENTERPRISES INC6 | 13313 FALCON POINTE DR ORLANDO, FL 32837 | AFLAC | $6 | $0 | $6 | 0.01% |
| JEANNETTE FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $5 | $0 | $5 | 0.00% |
| GARY DWAYN CHAMBERS3 Filed as: GARY CHAMBERS | 673 PROVIDENCE RD LEXINGTON, KY 40502 | AFLAC | $5 | $0 | $5 | 0.00% |
| THOMAS W BOSTON3 Filed as: THOMAS WORKMAN | PO BOX 17761 COVINGTON, KY 41017 | AFLAC | $3 | $0 | $3 | 0.00% |
| BRANDY ANN HARTIN3 Filed as: BRANDY HARTIN | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $3 | $0 | $3 | 0.00% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $3 | $0 | $3 | 0.00% |
| SHANE M OWEN3 Filed as: SHANE OWEN | 8413 NW 106TH ST OKLAHOMA CITY, OK 73162 | AFLAC | $3 | $0 | $3 | 0.00% |
| BRYAN MARTIN3 | 17102 MALLET HILL DR LOUISVILLE, KY 40245 | AFLAC | $2 | $0 | $2 | 0.00% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS SUCHECKI | 21 HEARTWOOD DR CATAULA, GA 31804 | AFLAC | $1 | $0 | $1 | 0.00% |
| CURTIS SCHWARTZ3 | 388 SHERMAN AVE LEXINGTON, KY 40502 | AFLAC | $1 | $0 | $1 | 0.00% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT TRAPNELL JR | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | 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. SUITE 102 LEXINGTON, KY 40503 | HARTFORD LIFE AND ACCIDENT | $899 | $0 | $899 | 19.99% |
| 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 | $32K |
| MCGREGOR & ASSOCIATES, INC. EIN 61-1211399 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 997 GOVERNORS LANE SUITE 175 LEXINGTON, KY 40513 | $5K |
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 | 512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. - HEALTH | 599 | $3.2M |
| Dental | DELTA DENTAL OF KENTUCKY | 704 | $184K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. - VISION | 590 | $55K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 484 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 704 | — |
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.