| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST NEW YORK, NY 10281 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $110K | — | $110K | 1.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $76K | — | $76K | 0.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | 200 LIBERTY STREET NEW YORK, NY 10281 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $67K | — | $67K | 0.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | PO BOX 416315 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $8K | $36K | 5.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC NORTHEAST | SERIES 1185 AVE OF THE AMERICAS, STE 2010 NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $95 | $7K | 1.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST, STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | BANK OF AMERICA PO BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $63K | — | $63K | 16.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST, STE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 14.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST, STE 900 KANSAS CITY, MO 64112 | ZURICH AMERICAN INSURANCE COMPANY | $305 | — | $305 | 14.99% |
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 | 1,383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,075 | $8.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,913 | $658K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,913 | $658K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,383 | $466K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,383 | $466K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,383 | $466K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,383 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,913 | — |
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.