| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 100 E RIVERCENTER BLVD #800 COVINGTON, KY 41011 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $58K | — | $58K | 0.34% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $78K | $49K | $127K | 14.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 ADMIN | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $27K |
| THE HARTFORD EIN 06-0838648 STD FEES | Contract Administrator; Claims processing Service code 12 | — | $24K |
| ASSURED PARTNERS NL LLC ADMIN | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees 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 | 597 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 470 | $17.0M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 470 | $17.0M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 470 | $17.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 597 | $862K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 597 | $862K |
| Other | HARTFORD LIFE AND ACCIDENT | 597 | $862K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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."
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.