| 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 | $19K | — | $19K | 1.11% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INS AGENCY | 2305 RIVER RD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 1.67% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INS AGENCY | 2305 RIVER RD LOUISVILLE, KY 40206 | CONTINENTAL AMERICA INSURANCE COMPANY | $127K | — | $127K | 34.16% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INS AGENCY | 2305 RIVER RD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $25K | $1K | $26K | 10.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CRAWFORD ADVISORS, LLC EIN 30-0837157 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $238K |
| ANTHEM HEALTH PLANS OF KENTUCKY EIN 61-1237516 MEDICAL ADMINISTRATION | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue; Other services Service code 12 | — | $156K |
| HUMANA EIN 27-1649291 WELLNESS | Claims processing Service code 12 | — | $87K |
| WAGEWORKS INC EIN 94-3351864 FSA/COBRA ADMINISTRATION | Claims processing Service code 12 | — | $74K |
| UNITED OF OMAHA LIFE INSURANCE CO EIN 47-0322111 STD ADMINISTRATION | Claims processing Service code 12 | — | $53K |
| EXPRESS SCRIPTS, INC EIN 31-1714795 RX ADMINISTRATION | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue Service code 12 | — | $0 |
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 | 3,411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 91 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 73 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 2,316 | $1.7M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,220 | $259K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,404 | $1.8M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,411 | $683K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,411 | $683K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,404 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,411 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.