No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LOCKTON COMPANIES CONSULTING | Consulting (general) Service code 16 | THREE CITYPLACE DRIVE ST LOUIS, MO 63141 | $80K |
| UMR EIN 39-1995276 CONTRACT ADMINISTRATOR | Contract Administrator; Consulting (general) Service code 13 | 333 WEST VINE STREET LEXINGTON, KY 40507 | $66K |
| STRATEGIC CAPITAL PARTNERS LLC INVESTMENT CONSULTANT | Investment management Service code 28 | 230 W MONROE ST STE 2500 CHICAGO, IL 60606 | $26K |
| LEDBETTER PARISI LLC EIN 03-0599899 ATTORNEY | Legal Service code 29 | 105 DAVENTRY LANE LOUISVILLE, KY 40223 | $21K |
| 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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 133 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM BLUE CROSS BLUE SHIELD | 421 | $927K |
| Vision | VISION SERVICE PLAN | 480 | $65K |
| Life insurance | ANTHEM LIFE | 279 | $77K |
| Short-term disability | ANTHEM LIFE | 279 | $77K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS BLUE SHIELD | 421 | $927K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.