| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $52K | $4K | $56K | 2.47% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 3.45% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 12.37% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 12.34% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | — | $2K | 9.87% |
| CORBY C. BURUS4 | 340 WHITFIELD DRIVE LEXINGTON, KY 40515 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHEILD | $760 | — | $760 | 17.28% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHEILD | $376 | — | $376 | 8.55% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 423 | $2.3M |
| Dental | DELTA DENTAL OF KENTUCKY | 421 | $103K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 370 | $20K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 264 | $83K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 264 | $59K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 264 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.