| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCRETIVE WHOLESALE INSURANCE SERVI3 Filed as: ACCRETIVE WHOLESALE INSURANCE SVSC | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $6K | — | $6K | 1.27% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $11K | $25K | 12.75% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF SC | 1170 WILSON HALL RD SUMTER, SC 29150 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 2.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 HEALTH ADMIN | Contract Administrator; Float revenue; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $175K |
| ACCRETIVE WHOLESALE INSURANCE SRVCS EIN 86-3250397 BROKER COMMISSION | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | $0 |
| INGENIORX, INC. EIN 82-3062245 RX ADMIN | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Other services Service code 12 | — | $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 | 540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 235 | $446K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 235 | $446K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 235 | $446K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 540 | $194K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 540 | $194K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 540 | $194K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 235 | $446K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 540 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.