| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASGI | 333 WEST VINE STREET LEXINGTON, KY 40507 | ANTHEM LIFE | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CONTRACT ADMINISTRATOR | Consulting (general); Contract Administrator Service code 13 | 333 WEST VINE STREET LEXINGTON, KY 40507 | $60K |
| STRATEGIC CAPITAL PARTNERS LLC INVESTMENT CONSULTANT | Investment advisory (plan) Service code 27 | 230 W MONROE ST STE 2500 CHICAGO, IL 60606 | $20K |
| DUNN AND WALLBAUM EIN 46-1576504 ATTORNEY | Legal Service code 29 | 105 DAVENTRY LANE LOUISVILLE, KY 40223 | $9K |
| FRANK N HESTAND CPA PSC EIN 61-1336870 AUDITOR | Accounting (including auditing) Service code 10 | 261 REGENCY CIRCLE LEXINGTON, KY 40503 | $9K |
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 | 331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS BLUE SHIELD | 3,839 | $754K |
| Vision | VISION SERVICE | 454 | $67K |
| Life insurance | ANTHEM LIFE | 279 | $71K |
| Short-term disability | ANTHEM LIFE | 279 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,839 | — |
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."
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.