| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $34K | — | $34K | 4.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 4000 SMITH ROAD CINCINNATI, OH 45209 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 20.79% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM J MITCHELL AND OTHER AGENTS | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $743 | $74 | $817 | 2.05% |
| JEFFREY D HARNED3 Filed as: JEFFREY D. HARNED | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $574 | $191 | $765 | 1.92% |
| VICKIE E LEWIS3 Filed as: VICKIE E. LEWIS | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $221 | $162 | $383 | 0.96% |
| QUINN F PEARL3 Filed as: QUINN F. PEARL | 11702 FRANK AVENUE LOUISVILLE, KY 40243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $245 | $125 | $370 | 0.93% |
| ROBERT ANTHONY MARTIN3 Filed as: ROBERT A. MARTIN | 1225 NORTHWEST 21ST STREET STUART, FL 34994 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $343 | $6 | $349 | 0.88% |
| BRYAN BAKER3 | 9000 LANTERN LITE PARKWAY LOUISVILLE, KY 40220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $260 | — | $260 | 0.65% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS, INS. AGENCY | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM LIFE INSURANCE COMPANY | $4K | $1K | $6K | 18.52% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 234 | $767K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 234 | $728K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 234 | $728K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 172 | $30K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 234 | $728K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 750 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.