| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVE. SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $54K | $2K | $57K | 2.49% |
| SKYLINE TERRACE LLC3 | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $8K | — | $8K | 0.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD GBS FINANCE 0 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF KENTUCKY | $20K | — | $20K | 14.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD FL 4 GBS FINANCE 0 4TH FLOOR ROLLING MEADOWS, IL 60008 | AMERICAN UNITED LIFE INSURANCE COMPANY | $16K | $5K | $21K | 18.92% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60654 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1246 SOUTH THIRD STREET LOUISVILE, KY 40203 | GUARDIAN | $12K | $409 | $12K | 18.62% |
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 | 259 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 329 | $2.3M |
| Dental | DELTA DENTAL OF KENTUCKY | 363 | $139K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 329 | $2.3M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 289 | $113K |
| Short-term disability | GUARDIAN | 97 | $65K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 289 | $113K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 289 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.