| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $149K | $0 | $149K | 1.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE, INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREETY NEW YORK, NY 10281 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $14K | $0 | $14K | 0.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $790 | $42K | 5.79% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | PO BOX 416315 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $78K | $675 | $79K | 19.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | PO BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 0.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY | 150 JOHN F. KENNEDY PARKWAY SUITE 350 SHORT HILLS, NJ 07078 | ZURICH AMERICAN INSURANCE COMPANY | $285 | $0 | $285 | 15.00% |
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 | 1,306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,553 | $7.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,668 | $733K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,668 | $733K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,306 | $413K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,306 | $413K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,306 | $413K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,553 | $7.9M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,306 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,668 | — |
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."
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.