| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $36K | $5K | $41K | 3.33% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY | $4K | — | $4K | 5.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.51% |
| ASSUREDPARTNERS3 Filed as: FORESTER BENFITS MANAGEMENT | 8081 KINGSTON PARK SUITE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.34% |
| CORBY C. BURUS3 Filed as: CORBY BURUS | 340 WHITFIELD DRIVE LEXINGTON, KY 40515 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $595 | — | $595 | 2.80% |
| AHA FINANCIAL SOLUTIONS, INC.3 Filed as: AHA FINANCIAL SOLUTIONS INC. | 155 NORTH WACKER DRIVE SUITE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $89 | — | $89 | 0.42% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 11.26% |
No Schedule C service providers reported on this filing.
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 325 | $1.2M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY | 164 | $72K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 325 | $1.2M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 173 | $13K |
| Other(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 173 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.