| 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. | $72K | $4K | $75K | 2.72% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 3.19% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 14.74% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 14.84% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | — | $3K | 9.92% |
| CORBY C. BURUS4 | 340 WHITFIELD DRIVE LEXINGTON, KY 40515 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHEILD | $681 | — | $681 | 9.07% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHEILD | $360 | — | $360 | 4.79% |
| CORBY C. BURUS4 | 340 WHITFIELD DRIVE LEXINGTON, KY 40515 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHEILD | $36 | — | $36 | 10.14% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHEILD | $24 | — | $24 | 6.76% |
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 | 298 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 537 | $2.8M |
| Dental | DELTA DENTAL OF KENTUCKY | 534 | $149K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 478 | $28K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 346 | $120K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 346 | $90K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 346 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.