| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 4500 TOWN CENTER BLVD #200 JEFFERSONVILLE, IN 47130 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $7K | — | $7K | 0.05% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 5905 E GALBRIATH RD ST 5000 CINCINNATI, OH 45236 | SYMETRA LIFE INSURANCE COMPANY | $85K | — | $85K | 11.60% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO, LLC | 3900 KINROSS LAKES PKWY RICHFIELD, OH 44256 | SYMETRA LIFE INSURANCE COMPANY | $31K | — | $31K | 22.22% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 5905 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | SYMETRA LIFE INSURANCE COMPANY | $15K | — | $15K | 10.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue; Other services Service code 12 | — | $24K |
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 ADMIN | Participant communication; Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $14K |
| ASSURED PARTNERS NL LLC ADMIN | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | $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 | 460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 133 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 469 | $15.6M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 469 | $15.6M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 591 | $730K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 591 | $730K |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 1,051 | $868K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,051 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.