| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 435 WHITTINGTON PARKWAY, SUITE 300 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $96K | $8K | $103K | 4.62% |
| NORMA J DAVIS3 Filed as: NORMA J. DAVIS | 269 RUFFIAN TRAIL CORBIN, KY 40701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 6.66% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS GROUP, INC. | 4021 SAINT GERMAINE COURT LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $41 | $1K | 0.98% |
| ANNE OWENS3 | 127 ABERDINE WAY GEORGETOWN, KY 40324 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $444 | $0 | $444 | 0.42% |
| MARGARET M GRAHAM3 Filed as: MARGARET M. GRAHAM | 200 CROOKED CREEK DRIVE ONEIDA, TN 37841 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $164 | $0 | $164 | 0.15% |
| MJ INSURANCE3 Filed as: MARK C. HOLLAND AND VARIOUS AGENTS | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $108 | $0 | $108 | 0.10% |
| DEE ANN SLADE3 | 104 POTOMAC COURT FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $84 | $0 | $84 | 0.08% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.02% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 3.46% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $301 | $0 | $301 | 0.31% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | GULF GUARANTY LIFE | $42K | $0 | $42K | 88.37% |
| NEIL MCNEILL3 | 5402 PARK VILLAGE COURT AMARILLO, TX 79109 | GULF GUARANTY LIFE | $5K | $0 | $5K | 11.62% |
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $222 | $1K | 17.83% |
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 | 199 | 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) | 199 | 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. | 323 | $2.3M |
| Dental | DELTA DENTAL OF KENTUCKY | 342 | $96K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 323 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 453 | $17K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 118 | $107K |
| Long-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 118 | $107K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 323 | $2.2M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 453 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.