| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | COMMUNITY INSURANCE COMPANY | $42K | $0 | $42K | 1.39% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | COMMUNITY INSURANCE COMPANY | $27K | $0 | $27K | 0.88% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE, INC. | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | $0 | $4K | $4K | 0.13% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SVCS AGENCY | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | $0 | $2K | $2K | 0.08% |
| LOCKTON COMPANIES, LLC3 | 65 MEMORIAL ROAD STE C100 RUTHERFORD BUILDING WEST HARTFORD, CT 06107 | ANTHEM LIFE INSURANCE COMPANY | $15K | $0 | $15K | 20.79% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.22% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SVCS AGENCY | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | ANTHEM LIFE INSURANCE COMPANY | $932 | $403 | $1K | 1.89% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 11.89% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 11.32% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RIDGE COLD SPRING, KY 41076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 9.54% |
| CHRISTINA A WEYLS3 Filed as: CHRISTINA AGNES WEYLS | 422 JACK TURNER WAY LANCASTER, KY 40444 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.66% |
| KRISTY J FISHBACK3 Filed as: KRISTY J. FISHBACK | 1095 BILLINGSLEY DRIVE BATAVIA, OH 45103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.33% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.94% |
| MJ INSURANCE3 Filed as: MATTHEW D. SMITH AND VARIOUS AGENTS | 7905 TANCES DRIVE CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.81% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 487 | $3.1M |
| Dental | COMMUNITY INSURANCE COMPANY | 487 | $3.1M |
| Vision | COMMUNITY INSURANCE COMPANY | 487 | $3.1M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 237 | $71K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 237 | $71K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 237 | $71K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 487 | $3.1M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 237 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.