| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $8K | $847 | $9K | 4.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY LLC | PO BOX 70 WEST POINT, GA 318330070 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 11.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY LLC | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 276123382 | PRINCIPAL LIFE INSURANCE COMPANY | — | $346 | $346 | 0.32% |
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 | 522 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 25 | $191K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 25 | $191K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 25 | $191K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 522 | $108K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 522 | $108K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 522 | $108K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 25 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.