| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $86K | $237 | $87K | 3.57% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HCC LIFE INSURANCE COMPANY | $37K | $0 | $37K | 15.00% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY | $23K | $9K | $32K | 21.57% |
| ASSUREDPARTNERS3 | 5909 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $0 | $7K | $7K | 4.43% |
| BENEFITS ANALYSIS CORPORATION3 Filed as: BENEFITS ANALYSIS AGENCY CORP. | 1930 PRIME COURT, SUITE 103 TROY, OH 45373 | STANDARD INSURANCE COMPANY | $90 | $0 | $90 | 0.06% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $4K | $0 | $4K | 3.57% |
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 | 502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 502 | 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. | 360 | $2.7M |
| Dental | DELTA DENTAL OF KENTUCKY | 372 | $104K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 360 | $2.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 502 | $150K |
| Short-term disability | STANDARD INSURANCE COMPANY | 502 | $150K |
| Long-term disability | STANDARD INSURANCE COMPANY | 502 | $150K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 360 | $2.4M |
| Other(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 502 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.