Community Trust Bancorp Inc
Updated Filing received by DOL
Community Trust Bancorp Inc, a finance & insurance employer in Pikeville, Kentucky, reported 984 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 4 insurance contracts with no premium reported and $67,402 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 8, 2026, before the deadline.
Who was paid on Community Trust Bancorp Inc's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Community Trust Bancorp Inc filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Paula C. Frizzell · Lexington, KY | $21,964 | $174 | $22,138 | 2 |
| Bryan Keith Frizzell · Lexington, KY | $16,033 | $294 | $16,327 | 2 |
| Gibson & Associates Inc · Irmo, SC | $4,259 | $3,111 | $7,370 | 1 |
| Brett Alan Booker · Lexington, KY | $4,785 | $55 | $4,840 | 2 |
| Brent Hutchinson · Lexington, KY | $3,993 | $83 | $4,076 | 1 |
| James R Nelligan & Associates LLC · Wall Township, NJ | $0 | $2,583 | $2,583 | 1 |
| Laura Beth Keller · Lexington, KY | $2,260 | $0 | $2,260 | 2 |
| Heather L. Mammen · Frankfort, KY | $1,910 | $0 | $1,910 | 2 |
| Marsh McLennan Agency · Atlanta, GA | $693 | $0 | $693 | 1 |
| Brock Powell · Green Cove Springs, FL | $622 | $0 | $622 | 1 |
| Amelia S Cox · London, KY | $399 | $0 | $399 | 1 |
| Dale Ira Davis · Lexington, KY | $358 | $0 | $358 | 2 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Anthem Health Plans of KY, Inc.health, dental, vision, stop-loss, indemnity | 1,298 | — | — | — |
| Aflaccoverage not coded | 441 | — | $55,903 | — |
| Aflaccoverage not coded | 18 | — | $1,546 | — |
| Principal Life Insurance Companylife, long-term disability | 1,062 | — | $9,953 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Community Trust Bancorp Inc compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 668 | 984 | +47.3% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $0 | $67,402 | — |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| The Community Trust Bancorp Inc Comprehensive Health and Welfare Wrap Plan#508 · insurance, general assets | December 31, 2025 | July 8, 2026 | before deadline | 984 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Community Trust Bancorp Inc pay in health insurance broker commissions in 2025?
Community Trust Bancorp Inc's 2025 Form 5500 reports $67,402 in broker commissions and fees across 4 insurance contracts ($61,102 in commissions, $6,300 in fees), with Paula C. Frizzell receiving the largest share.
Is Community Trust Bancorp Inc's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Anthem Health Plans of KY, Inc..
How does Community Trust Bancorp Inc's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Community Trust Bancorp Inc because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.