| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-LOUISVILLE | PO BOX 905494 CHARLOTTE, NC 282905494 | HUMANA HEALTH PLAN, INC. | $56K | — | $56K | 2.51% |
| ROBERT H CLARKSON INSURANCE3 Filed as: ROBERT C GIPPERICH | 220 W MAIN ST STE 1855 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC. | -$488 | — | -$488 | -0.02% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $6K | — | $6K | 6.06% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955909 SAINT LOUIS, MO 63195 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $5K | — | $5K | 4.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM LIFE INSURANCE COMPANY | $7K | — | $7K | 11.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-LOUISVILLE | PO BOX 905494 CHARLOTTE, NC 282905494 | HUMANA INSURANCE COMPANY OF KENTUCKY | $30 | — | $30 | 0.21% |
| ROBERT H CLARKSON INSURANCE3 Filed as: ROBERT C GIPPERICH | 220 W MAIN ST STE 1855 LOUISVILLE, KY 40202 | HUMANA INSURANCE COMPANY OF KENTUCKY | -$36 | — | -$36 | -0.25% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 191 | $2.2M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 337 | $96K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 337 | $96K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 225 | $59K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 225 | $59K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 225 | $59K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 191 | $2.2M |
| Other | ANTHEM LIFE INSURANCE COMPANY | 225 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.