| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EPIC3 Filed as: EPIC INS SOLUTIONS AGENCY, LLC | PO BOX 221649 LOUISVILLE, KY 40252 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $24K | — | $24K | 2.83% |
| MEDLINK INC3 Filed as: MEDLINK INC. | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | — | $3K | 0.33% |
| EPIC3 Filed as: EPIC INS SOLUTIONS AGENCY, LLC | PO BOX 221649 LOUISVILLE, KY 40252 | ANTHEM LIFE INSURANCE COMPANY | $3K | $177 | $3K | 12.78% |
| MEDLINK INC3 Filed as: MEDLINK INC. | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY | $427 | — | $427 | 1.95% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS, LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY | $361 | — | $361 | 1.65% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 209 | $859K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 209 | $859K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 209 | $859K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 157 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.