| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE SOLUTIONS OF KY INC3 | 800 DIEDERICH BLVD RUSSELL, KY 41169 | ANTHEM HEALTH PLANS OF KENTUCKY, INC | $21K | $4K | $25K | 2.81% |
| ASSUREDPARTNERS Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY, INC | $17K | — | $17K | 1.98% |
| BENEFACTOR INS GROUP INC3 | 2165 CARTER AVE ASHLAND, KY 41101 | AMERICAN FIDELITY ASSURANCE COMPANY - LTD | $4K | — | $4K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY - LTD | $3K | — | $3K | 3.05% |
| INSURANCE SOLUTIONS OF KY INC | 800 DIEDERICH BLVD RUSSELL, KY 41169 | ANTHEM HEALTH PLANS OF KENTUCKY, INC | $76 | — | $76 | 0.22% |
| AP WHOLESALE INSURANCE SERVICES LLC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY | $961 | $326 | $1K | 5.36% |
| MEDLINK INC3 | PO BOX 23570 LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY | $622 | $218 | $840 | 3.50% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY - CANCER | $1K | — | $1K | 10.04% |
| BENEFACTOR INS GROUP INC3 | 2165 CARTER AVE ASHLAND, KY 41101 | AMERICAN FIDELITY ASSURANCE COMPANY - CANCER | $592 | — | $592 | 4.24% |
| INSURANCE SOLUTIONS OF KY INC3 Filed as: INSURANCE SOLUTIONS OF KY | 800 DIEDERICH BLVD RACELAND, KY 41169 | AMERICAN FIDELITY ASSURANCE COMPANY - CANCER | $140 | — | $140 | 1.00% |
| BENEFACTOR INS GROUP INC3 | 2165 CARTER AVE ASHLAND, KY 41101 | AMERICAN FIDELITY ASSURANCE COMPANY - ACCIDENT ONLY | $540 | — | $540 | 5.01% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY - ACCIDENT ONLY | $500 | — | $500 | 4.64% |
| BENEFACTOR INS GROUP INC3 | 2165 CARTER AVE ASHLAND, KY 41101 | AMERICAN FIDELITY ASSURANCE COMPANY - GROUP HI / GAP | $226 | — | $226 | 5.01% |
| BENEFACTOR INS GROUP INC3 | 2165 CARTER AVE ASHLAND, KY 41101 | AMERICAN FIDELITY ASSURANCE COMPANY - STD | $60 | — | $60 | 5.02% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY - MEDICAL GROUP | $176 | — | $176 | 16.31% |
| BENEFACTOR INS GROUP INC3 | 2165 CARTER AVE ASHLAND, KY 41101 | AMERICAN FIDELITY ASSURANCE COMPANY - MEDICAL INDIV | $7 | — | $7 | 4.83% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 76 | $913K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 75 | $34K |
| Vision(2 contracts) | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 76 | $912K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 109 | $24K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY - ACCIDENT ONLY | 58 | $12K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY - LTD | 71 | $97K |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY - GROUP HI / GAP | 29 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.