| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $60K | $6K | $66K | 1.79% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $12K | — | $12K | 0.32% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 2.04% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $439 | — | $439 | 0.18% |
| PIKE & PRESTON LLC3 | 444 EAST MAIN STREET SUITE 204 LEXINGTON, KY 40507 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 5.40% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 1.21% |
| PIKE & PRESTON LLC3 | 444 EAST MAIN STREET SUITE 204 LEXINGTON, KY 40507 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 11.28% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 3.72% |
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 | 337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 628 | $3.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KENTUCKY | 677 | $269K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 628 | $3.7M |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 337 | $209K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 337 | $125K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 337 | $125K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 628 | $3.7M |
| Other(2 contracts) | UNION SECURITY INSURANCE COMPANY | 337 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 677 | — |
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.