| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INS AGENCY | 2305 RIVER RD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $21K | $21K | 1.79% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INS AGENCY | 2305 RIVER RD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 2.34% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INS AGENCY | 2305 RIVER RD LOUISVILLE, KY 40206 | CONTINENTAL AMERICA INSURANCE COMPANY | $159K | — | $159K | 65.71% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INS AGENCY | 2305 RIVER RD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $20K | — | $20K | 9.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY EIN 61-1237516 MEDICAL ADMINISTRATION | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Other services Service code 12 | — | $962K |
| HUMANA EIN 27-1649291 WELLNESS | Claims processing Service code 12 | — | $98K |
| WAGEWORKS INC EIN 94-3351864 FSA/COBRA ADMINISTRATION | Claims processing Service code 12 | — | $79K |
| UNITED OF OMAHA LIFE INSURANCE CO EIN 47-0322111 STD ADMINISTRATION | Claims processing Service code 12 | — | $42K |
| EXPRESS SCRIPTS, INC EIN 31-1714795 RX ADMINISTRATION | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $2K |
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 | 2,854 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 187 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 2,011 | $1.4M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,705 | $205K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,854 | $1.2M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,852 | $556K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,852 | $556K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,854 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,854 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.