| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $27K | $0 | $27K | 2.94% |
| ASSUREDPARTNERS3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $8K | $0 | $8K | 0.82% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.80% |
| ASSUREDPARTNERS3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | ANTHEM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.31% |
| ASSUREDPARTNERS3 | 4000 SMITH ROAD CINCINNATI, OH 45209 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $3 | $5K | 16.23% |
| JEFFREY D HARNED3 Filed as: JEFFREY D. HARNED | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 8.75% |
| SANDRA S DOUGHERTY3 Filed as: SANDRA S. DOUGHERTY | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $650 | $163 | $813 | 2.71% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM JACK MITCHELL JR. | 2906 VALLEY DRIVE JEFFERSONTOWN, KY 40299 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $377 | $143 | $520 | 1.73% |
| QUINN F PEARL3 Filed as: QUINN F. PEARL | 11702 FRANK AVENUE LOUISVILLE, KY 40243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.09% |
| MJ INSURANCE3 Filed as: VICKIE E. LEWIS AND VARIOUS AGENTS | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $2 | $27 | 0.09% |
| AMY E COHEN3 Filed as: AMY L. FARNSLEY | 5900 HICKMAN COURT LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $2 | $23 | 0.08% |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 270 | $931K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 270 | $931K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 270 | $931K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 212 | $38K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 270 | $931K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 212 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
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.