Document:

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                                                                   Exhibit 10.25

                               FIRST AMENDMENT TO
                              EMPLOYMENT AGREEMENT

     This First Amendment to Employment Agreement is made this 12th day of May,
2003, by and between CompDent Corporation, n/k/a CompBenefits Corporation, a
Delaware corporation (the "Company") and Karen B. Mitchell (the "Employee").

     WHEREAS, the above parties entered into an Employment Agreement dated as of
the 13th day of July, 1998, a copy of which is attached hereto in its entirety
and is incorporated herein by this reference as Exhibit "A" (the "Employment
Agreement"); and

     WHEREAS, the parties desire to extend the term of said Employment Agreement
for an additional five years, as well as mutually amend other terms of said
Employment Agreement as provided for below:

     NOW, THEREFORE, in consideration of the mutual covenants, promises and for
other good and valuable consideration, the parties hereby agree as follows:

     1. The terms and conditions of the Employment Agreement dated as of the
13th day of July, 1998 by and among the Company and Employee are hereby
confirmed in their entirety with the exception that to the extent the terms and
conditions of this First Amendment are in conflict with the terms and conditions
of the Employment Agreement, the terms of this First Amendment shall govern.

     2. It is the desire of the parties to replace the definition of the term
"Business" as it appears in paragraph I. Statement of Background Information.
The entire paragraph shall be replaced it in its entirety to now read as
follows:

          I.   Statement of Background Information

          The Employee has been an officer and key employee of the Company and
     the parties desire to ensure that the Employee's expertise, knowledge and
     experience will continue to be available to the Company in the Company's
     business. The term "Business" shall mean (A) the business of providing
     dental health care services and any and all activities relating thereto,
     including, without limitation, the provision and administration of discount
     fee-for-service dental plans, prepaid dental plans, PPO dental plans and
     indemnity dental plans and operation and/or ownership of dental health care
     practices, (B) the business of providing vision health care services and
     any and all activities relating thereto, including, without limitation, the
     provision and administration of discount fee-for-service vision plans,
     prepaid vision plans, and PPO vision plans and indemnity vision plans, and
     (C) any other revenue generating business conducted by the Company or its
     Affiliates.

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     3. It is the desire of the parties to extend the term of the Employment
Agreement by an additional five years and, accordingly, amend paragraph 3 Term
to now read as follows:

     Term. The renewal term of this Agreement will be for a period commencing on
     July 13, 2003 ("Renewal Date"), the expiration of the original term of the
     Employment Agreement, and will expire on the later of the fifth anniversary
     of such Renewal Date (to-wit July 13, 2008) or, if there is a Change in
     Control (as defined herein) before such fifth anniversary of the Renewal
     Date, the date which is 25 months following any Change in Control, subject
     to earlier termination as provided for in Section 4 below.

     4. It is the desire of the Parties to reflect Employee's current Annual
Salary and, accordingly, amend paragraph 5(a), Compensation and Benefits, to now
read in its entirety as follows:

     (a) Annual Salary. For all services rendered by Employee under this
Agreement, the Company will pay Employee a base salary of at least One Hundred
Forty-Five Thousand and no/100 Dollars ($145,000) per annum in equal monthly
installments, or a greater amount as determined by the Board of Directors of the
Company.

     IN WITNESS WHEREOF, the parties have signed this First Amendment as of this
1st day of July, 2003.

COMPDENT CORPORATION n/k/a
COMPBENEFITS CORPORATION

By: /s/ David Klock                     /s/ Karen B. Mitchell
    ---------------------------------   ----------------------------------------
    David Klock                         Karen B. Mitchell
Title: CEO, President & COO

                                        2<PAGE>

                                                                   Exhibit 10.27

                              EMPLOYMENT AGREEMENT

     This Employment Agreement is made and entered into this 10th day of April,
2006, between CompBenefits Corporation, a Delaware corporation ("CompBenefits")
and John Lumpkins (the "Executive").

                                   WITNESSETH

     WHEREAS, CompBenefits desires to employ Executive in the capacity and on
the terms and conditions hereinafter set forth and Executive is willing to serve
in such capacity and on such terms and conditions.

     NOW, THEREFORE, in consideration of the mutual promises and covenants
herein contained, the parties hereto agree as follows:

     1. Employment. Subject to the provisions of Section 7, CompBenefits hereby
employs the Executive in the position of Senior Vice President, Sales, and the
Executive hereby accepts such employment effective the 10th day of April, 2006
("Effective Date") upon the terms and conditions set forth in this Agreement.

     2. Term of Employment. The term of the Executive's employment pursuant to
this Agreement shall be effective as of the date of this Agreement, and shall
remain in effect for a period of three (3) years from said date or until
terminated in accordance with Section 7. The period during which the Executive
serves as an employee of CompBenefits or any of its subsidiary operations in
accordance with and subject to the provisions of this Agreement is referred to
in this Agreement as the "Term of Employment." If CompBenefits continues to
employ Executive beyond the Term of Employment without entering into a written
agreement extending the term of this Agreement, all obligations and rights under
this Agreement shall prospectively lapse as of the expiration date except for
Executive's obligations under Paragraph 9 and Executive shall be an at-will
employee of CompBenefits.

     3. Duties. During the Term of Employment, the Executive (a) shall serve as
an officer of CompBenefits, (b) shall perform such duties and responsibilities
as may from time-to-time be reasonably determined by the President of
CompBenefits consistent with the Executive's position as an officer of
CompBenefits, provided that such duties and responsibilities shall be within the
general area of the Executive's experience and skills, (c) upon the request of
the Board of Directors of CompBenefits, shall serve as an officer of any of its
subsidiaries; and (d) shall render all services incident to the foregoing. The
Executive agrees to use his best efforts in, and shall devote his full working
time, attention, skill and energies to, the advancement of the interests of
CompBenefits and its subsidiaries and Affiliates and the performance of his
duties and responsibilities hereunder.

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     4. Compensation.

          (a) During the Term of Employment, CompBenefits shall pay the
Executive a salary (the "Base Salary") at an annual rate as shall be determined
from time to time by the President of CompBenefits, provided, however, that such
rate per annum shall not be less than $220,000. A car allowance is included
within this Base Salary. Such salary shall be subject to withholding under
applicable law and shall be payable in periodic installments in accordance with
CompBenefits' usual practice for its executives, as in effect from time to time.

          (b) Subject to the provisions of Section 7, upon completion of each
fiscal year and as determined by the Compensation Committee of the Board of
Directors of the Company, the Executive shall be eligible to receive a bonus
("Annual Bonus"), in accordance with any bonus plan then in effect for
executives of the Company of equivalent position and title (the target bonus for
this position currently is 50% of Base Salary paid, with the opportunity to earn
incentive above the target for above-goal results), provided (i) the Executive
has not voluntarily terminated his employment with the Company for other than
Good Reason, or (ii) Executive's employment has not been terminated for Cause by
the Company at the time said Annual Bonus, if any, is paid in the normal course
(typically 2nd Quarter). Notwithstanding the above, it is agreed that Executive
is guaranteed a minimum Annual Bonus payment for the 2006 Plan Year of $60,000
(the "Guaranteed Bonus"). Said Guaranteed Bonus shall be due and payable in the
2nd Quarter of 2007.

     5. Equity. The Compensation Committee of the Board of Directors of the
Company is evaluating the adoption of a new equity incentive program for certain
key executive positions of the Company, including, but not by way of limitation,
the position of Senior Vice President of Sales. If and upon the event such an
equity incentive program is adopted by the Company, Executive shall be entitled
to participate to the extent other executives of the Company of equivalent
position and title participate.

     6. Benefits.

          (a) During the Term of Employment, the Executive shall be entitled to
participate in the Company's 401(k) Plan, the Executive Physical Program at
Emory University, and any and all medical, dental, and vision plans, disability
income plans, and two corporate life insurance plans, as in effect from time to
time for executives of CompBenefits Corporation. Such participation shall be
subject to (i) the terms of the applicable plan documents, (ii) generally
applicable policies of CompBenefits, and (iii) the discretion of the Board of
Directors of CompBenefits or administrative or other committee provided for in
or contemplated by such plan.

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          (b) CompBenefits shall promptly reimburse the Executive for all
reasonable business expenses incurred by the Executive during the Term of
Employment in accordance with CompBenefits' practices for executives of
CompBenefits, as in effect from time to time.

          (c) The Executive shall receive paid vacation annually in accordance
with the Company's practices for executive officers of the Company; provided,
however, that the amount and timing of Executive's paid leave is not limited by
a specific number of weeks; however it is expected that scheduled vacations will
not interfere with the reasonable performance of Executive's duties and
responsibilities or the business operations of the Company.

          (d) Except as contemplated by Section 6 (b), compliance with
provisions of this Section 6 shall in no way create or be deemed to create any
obligation, express or implied, on the part of CompBenefits or any of its
subsidiaries or Affiliates with respect to the continuation of any benefit or
other plan or arrangement maintained as of or prior to the date hereof or the
creation and maintenance of any particular benefit or other plan or arrangement
at any time after the date hereof. Notwithstanding the foregoing, the benefits
provided to the Executive during the Term of Employment will not be materially
less favorable in the aggregate than the benefits in effect for the executives
of CompBenefits of equivalent position and title.

     7. Termination of Employment. This Agreement and the Executive's employment
with CompBenefits and/or its subsidiaries may be terminated as follows:

          (a) At any time by the mutual consent of the Executive and
CompBenefits.

          (b) At any time for "cause" by CompBenefits upon written notice to the
Executive. For purposes of this agreement, a termination shall be for "cause"
if:

               (i) the Executive shall commit an act of fraud, embezzlement,
misappropriation or breach of fiduciary duty against CompBenefits or any of its
subsidiaries or affiliates or shall be convicted by a court of competent
jurisdiction or shall plead guilty or nolo contendere to any felony or crime
involving moral turpitude;

               (ii) the Executive shall commit a material breach of any of the
covenants, terms or provisions of Section 9 hereof;

               (iii) the Executive shall commit a material breach of any of the
covenants, terms or provisions hereof (other than pursuant to Section 9 hereof)
which breach has not been remedied within thirty (30) days after delivery to the
Executive by CompBenefits of written notice thereof; or

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               (iv) the Executive shall consistently disobey reasonable written
instructions from CompBenefits' President consistent with the terms of this
Agreement and Executive's duties, title, and general area of expertise;

               (v) the Executive shall fail or be unable to carry out
effectively Executive's duties and obligations to CompBenefits and/or its
subsidiaries, or to participate effectively and actively in the management of
CompBenefits as determined in the reasonable judgment of CompBenefits'
President, after written notice and an opportunity to cure.

     Upon termination for cause as provided in this Section 7 (b), (A) all
obligations of CompBenefits under this Agreement shall thereupon immediately
terminate other than any obligations with respect to earned but unpaid Base
Salary; provided, however, that the Executive shall not be entitled to receive
any bonus from CompBenefits with respect to the year during which such
termination occurred, and (B) CompBenefits shall have any and all rights and
remedies under this Agreement and applicable law.

          (c) Upon the earlier death or permanent disability (as defined below)
of Executive continuing for a period of ninety (90) days. Upon any such
termination of the Executive's employment, all obligations of CompBenefits under
this Agreement shall thereupon immediately terminate other than any obligations
with respect to (i) earned but unpaid salary including any earned but unpaid
bonus from the previous fiscal year, if applicable, through the date of
termination, (ii) bonus payments with respect to the calendar year which such
termination occurred on the basis of and to the extent contemplated in any bonus
plan then in effect with respect to executive officers of CompBenefits,
pro-rated on the basis of number of days of the Executive's actual employment
hereunder during such calendar year through such termination, and (iii) in the
case of permanent disability continuation of health insurance benefits until the
first anniversary of the date of termination to the extent permitted under
Executive's group health insurance policy. As used herein, the definition of the
term "permanent disability" or "permanently disabled shall parallel the
definition of same as provided under the long-term disability insurance policy
then in effect on executives of the Company. In the event that no such policy is
in existence at the time of the contended disability, "permanent disability"
shall be defined as the inability of the Executive, by reason of injury, illness
or other similar cause, to perform a major part of his duties and
responsibilities in connection with the conduct of the business and affairs of
CompBenefits.

          (d) At any time by the Executive upon sixty (60) days' prior written
notice to CompBenefits. Upon termination by the Executive as provided in this
Section 7 (d), all obligations of CompBenefits under this Agreement shall
thereupon immediately terminate other than any obligations with respect to
earned but unpaid Base Salary.

          (e) At any time by CompBenefits without "cause" upon sixty (60) days'
prior written notice to the Executive. Upon termination by CompBenefits as
provided in this Section

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7(e), all obligations of CompBenefits under this Agreement shall thereupon
immediately terminate other than any obligations with respect to earned but
unpaid Base Salary.

     8. Severance Payments Following a Change In Control.

          Notwithstanding CompBenefits' right to terminate Executive's
employment hereunder without Cause pursuant to 7(e) above, in the event of the
termination of the Executive within 18 months following a Change In Control (as
defined in Section 11(a)) by either (i) CompBenefits without Cause (Cause being
defined under Section 7(b)) or (ii) by Executive for Good Reason (as defined
under Section 11(b)), then CompBenefits shall, in lieu of the payments and
arrangements specified above, pay the Executive severance pay in an amount equal
to the sum of one (1) times the Executive's Base Salary on the termination date
and (iii) the average of Executive's last two years bonus ("Severance Pay").
Should a Change In Control and termination of Employment occur in the first
twelve (12) months of employment hereunder, base compensation shall be equal to
the yearly Base Salary provided in paragraph 4(a) and the average bonus shall be
equal to the Guaranteed Bonus provided in paragraph 4(b). Such Severance Pay
shall be payable over twelve (12) months in equal semi-monthly installments and
shall be subject to withholding to the extent required under applicable law. The
Severance Pay contemplated by this Section 8 is agreed by the parties hereto to
be in full satisfaction and compromise of any claim arising out of Executive's
employment by CompBenefits and the termination thereof. Executive shall not be
required to mitigate the amount of any payment provided for in this Agreement by
seeking other employment or otherwise.

          During the period of time during which the Severance Pay is being
remitted pursuant to the above, the Company will either continue the Executive's
health (medical) insurance as provided in Section 6 to the extent permitted
under applicable law and CompBenefits' group health insurance policies or
reimburse the Executive for his cost for comparable coverage to the extent such
coverage cannot be provided under such policies; provided that, notwithstanding
anything herein to the contrary, CompBenefits shall not be required to continue
to provide the Executive with health benefits under this paragraph to the extent
the Executive becomes entitled to receive benefits substantially similar to
those which the Executive otherwise would have been entitled to receive
hereunder.

     9. Non-Competition.

          (a) During any period in which the Executive serves as an employee of
CompBenefits and for a period of one (1) year after the date of termination of
the Executive's employment at any time, regardless of the circumstances thereof,
the Executive shall not, without the express written consent of CompBenefits,
directly or indirectly, engage, participate, invest in, be employed by or
assist, whether as owner, part-owner, shareholder, partner, director, officer,
trustee, employee, agent or consultant, or in any other capacity, any Person
other than CompBenefits and its Affiliates whose activities, products, and/or
services are in the Designated

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Industry. Without limiting the foregoing, the foregoing covenant shall prohibit
the Executive during the period set forth above from (i) hiring or attempting to
hire for or on behalf of any Person in the Designated Industry any officer,
Executive, or Affiliated Person of CompBenefits or any of its Affiliates, (ii)
encouraging for or on behalf of any such Person in the Designated Industry any
officer, Executive, or Affiliated Person to terminate his or her relationship or
employment with CompBenefits or any of its Affiliates, (iii) soliciting for or
on behalf of any such Person in the Designated Industry any customer of
CompBenefits or any of its Affiliates and (iv) diverting to any such Person in
the Designated Industry any customer of CompBenefits or any of its Affiliates;
provided, however, that nothing herein shall be construed as preventing the
Executive from making passive investments in a Person in the Designated Industry
if the securities of such Person are publicly traded and such investment
constitutes less than five percent of the outstanding shares of capital stock or
comparable equity interests of such Person. As of the date of this Agreement,
the Executive is not performing any other duties for, and is not a party to any
similar agreement with, any Person competing with CompBenefits or any of its
affiliates.

          (b) In the course of performing services hereunder and otherwise, the
Executive has had, and it is anticipated that the Executive will from time to
time have, access to confidential records, data, customer lists, trade secrets
and similar confidential information owned or used in the course of business by
CompBenefits and its subsidiaries and affiliates (the "Confidential
Information"). The Executive agrees (i) to hold the Confidential Information in
strict confidence, (ii) not to disclose the Confidential Information to any
Person (other than in the regular business of CompBenefits), and (iii) not to
use, directly or indirectly, any of the Confidential Information for any
competitive or commercial purpose; provided, however, that the limitations set
forth above shall not apply to any Confidential Information which (A) is then
generally known to the public; (B) became or becomes generally known to the
public through no fault of the Executive; or (C) is disclosed in accordance with
an order of a court of competent jurisdiction or applicable law. Upon the
termination of the Executive's employment with CompBenefits, all data,
memoranda, customer lists, notes, programs and other papers and items, and
reproductions thereof relating to the foregoing matters in the Executive's
possession or control, shall be returned to CompBenefits and remain in its
possession.

          (c) For purposes of this Section 9, the following terms shall have the
meanings specified unless defined otherwise herein:

               (i) "Affiliates" shall mean any subsidiary company of
CompBenefits, whether wholly or partially owned.

               (ii) "Affiliated Person" shall mean any individual, professional,
or otherwise, who is providing, or has provided, during a one-year period
immediately prior to the date of any hiring or solicitation for hire of such
individual, services to any dental office or facility under management by
CompBenefits Corporation;

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               (iii) "Executive" shall mean any individual employed currently or
during a one-year period immediately prior to the date of any hiring or
solicitation for hire of such individual by CompBenefits or its Affiliates;

               (iv) "Designated Industry" shall mean (A) the business of
providing dental health care services and any and all activities relating
thereto, including, without limitation, the provision and administration of
discount fee-for-service dental plans, prepaid dental plans, PPO dental plans
and indemnity dental plans and operation, (B) the business of providing vision
health care services and any and all activities relating thereto, including,
without limitation, the provision and administration of discount fee-for-service
vision plans, prepaid vision plans, PPO vision plans and indemnity vision plans
and operation, and (C) any other revenue generating business conducted by
CompBenefits or its Affiliates;

               (v) "Person" shall mean an individual, a corporation, an
association, a partnership, an estate, a trust, and any other entity or
organization.

     10. Specific Performance: Severability. It is specifically understood and
agreed that any breach of the provisions of this Agreement including, without
limitation, Section 9 hereof by the Executive is likely to result in irreparable
injury to CompBenefits and its subsidiaries and affiliates, that the remedy at
law alone will be inadequate remedy for such breach and that, in addition to any
other remedy it may have, CompBenefits shall be entitled to enforce the specific
performance of this Agreement by the Executive and to seek both temporary and
permanent injunctive relief (to the extent permitted by law), without the
necessity of proving actual damages. In case any of the provisions contained in
this Agreement shall for any reason be held to be invalid, illegal or
unenforceable in any respect, any such invalidity, illegality or
unenforceability shall not affect any other provision of this Agreement, but
this unenforceable provision had been limited or modified (consistent with its
general intent) to the extent necessary to make it valid, legal and enforceable,
or if it shall not be possible to so limit or modify such invalid, illegal or
unenforceable provision or part of a provision, this Agreement shall be
construed as if such invalid, illegal or unenforceable provision or part of a
provision had never been contained in this Agreement.

     11. Definitions.

          (a) For purposes of this Agreement, "Change In Control" shall mean any
of the following events:

               (i) the direct or indirect beneficial ownership (within the
meaning of Section 13(d) of the Securities Exchange Act of 1934, as amended (the
"Exchange Act") of a majority of the outstanding common stock of the Company is
acquired or becomes held by any person or group of persons (within the meaning
of Section 13(d)(3) of the Exchange Act);

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               (ii) a change of stock ownership of the Company of a nature that
would be required to be reported in response to Item 6(e) of Schedule 14A
promulgated under the Exchange Act, and any successor Item of a similar nature;

               (iii) the stockholders of the Company shall approve (provided,
however, if the transaction approved by the stockholders is subsequently
terminated, and the Executive is still employed by the Company at the
termination of the transaction, then no "Change in Control" shall be deemed to
have taken place): (1) any consolidation, merger, share exchange or other
extraordinary transaction related to the Company where the stockholders of the
Company, immediately prior to the consolidation, merger, share exchange or other
extraordinary transaction, would not, immediately after the consolidation,
merger, share exchange or other extraordinary transaction, beneficially own,
directly or indirectly, shares representing in the aggregate 50 percent of the
voting securities of the corporation issuing cash or securities in the
consolidation, merger, share exchange or other extraordinary transaction (or of
its ultimate parent corporation, if any), (2) any lease, exchange, mortgage or
other transfer (in one transaction or series of transactions contemplated or
arranged by any party as a single plan) of all or substantially all of the
assets of the Company and its subsidiaries (taken as a whole), or (3) any plan
or proposal for the liquidation or dissolution of the Company.

          (b) For purposes of this Agreement, "Good Reason" shall mean the
following:

               (i) CompBenefits materially breaches any of the terms or
conditions set forth in this Agreement and fails to cure its breach within
thirty (30) days after its receipt from the Executive of written notice of such
breach, which notice describes in reasonable detail the Executive's belief that
CompBenefits is in breach hereof;

               (ii) CompBenefits materially diminishes the Executive's duties or
reassigns Executive to a position not consistent with Executive's general area
of knowledge, experience, and skills;

               (iii) Any material diminution of the Executive's Base Salary;

               (iv) CompBenefits transfers substantially all of its assets to a
successor entity and such entity fails to assume CompBenefits's obligations
under this Agreement.

                                       8

<PAGE>

     12. Notices. All notices, requests, demands and other communications
hereunder shall be in writing and shall be deemed to have been duly given if
delivered personally or mailed by certified or registered mail (return receipt
requested) as follows:

               To CompBenefits:

                    100 Mansell Court East
                    Suite 400
                    Roswell, Georgia 30076
                    Attention: President & Chief Executive Officer

               To the Executive:

                    John Lumpkins
                    3716 Village Walk Drive
                    Norcross, Georgia 30092

or to such other address of which any party may notify the other parties as
provided above. Notices shall be effective as of the date of such delivery or
mailing.

     13. Entire Agreement. This Agreement supersedes any and all other
agreements, either oral or in writing, by and between the parties hereto with
respect to the employment of Executive by CompBenefits and/or its subsidiaries.
Each party to this Agreement acknowledges that no representations, inducements,
or other agreements, oral or otherwise, have been embodied herein, and no other
agreement, statement, or promise not contained in this Agreement shall be valid
or binding.

     14. Arbitration. Disputes arising out of or relating to this Agreement
shall be determined by binding arbitration in accordance with the then current
Commercial Arbitration Rules of the American Arbitration Association, provided,
however, that any dispute arising out of the non-competition provision of this
Agreement (paragraph 9) shall not be subject to arbitration.

     15. Miscellaneous. This Agreement shall be governed by and construed under
the laws of the State of Georgia, and shall not be amended, modified or
discharged in whole or in part except by an Agreement in writing signed by both
of the parties hereto. The failure of either of the parties to require the
performance of a term or obligation or to exercise any right under this
Agreement or the waiver of any breach hereunder shall not prevent subsequent
enforcement of such term or obligation or exercise of such right or the
enforcement at any time of any other right hereunder or be deemed a waiver of
any subsequent breach of the provision so breached, or of any other breach
hereunder. This Agreement shall inure to the benefit of successors of

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CompBenefits by way of merger, consolidation or transfer of all or substantially
all of the assets of CompBenefits, and may not be assigned by the Executive.

     IN WITNESS WHEREOF, the parties have executed this Agreement under seal as
of the date first set forth above.

                                        COMPBENEFITS CORPORATION

                                        By: /s/ Kirk E. Rothrock
                                            ------------------------------------
                                            Kirk E. Rothrock
                                        Title: President & Chief Executive
                                               Officer

                                        EXECUTIVE

                                        /s/ John Lumpkins
                                        ----------------------------------------
                                        John Lumpkins

                                       10

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