| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $38K | $238 | $38K | 1.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND COMPANY | 200 BROOKSTONE CENTRE PARKWAY COLUMBUS, GA 31904 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $24K | $200 | $24K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $21K | $0 | $21K | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 70 WEST POINT, CA 31833 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO OX 85638 SAN DIEGO, CA 92186 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $879 | $3K | 2.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $120 | $120 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 400 WEST MARKET STREET, SUITE 700 LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KENTUCKY | $6K | $0 | $6K | 5.00% |
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 | 827 | 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) | 828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 701 | $2.5M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY | 262 | $112K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 701 | $2.5M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 885 | $114K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 885 | $114K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 885 | $114K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 701 | $2.5M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 885 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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."
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.