| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. | — | ANTHEM INSURANCE COMPANIES, INC. | — | — | $0 | 0.00% |
| EPIC3 Filed as: EPIC INS SOLUTIONS AGENCY | STE 200 LOUISVILLE, KY 40223 | ONE AMERICA | $19K | $3K | $22K | 8.81% |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INS AGENCY | 9700 ORMSBY STATION RD ST CINCINNATI, OH 45227 | ONE AMERICA | $19K | — | $19K | 7.48% |
| INTEGRO INSURANCE BROKERS Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | HUMANADENTAL INSURANCE COMPANY | $7K | — | $7K | 6.23% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION RD LOUISIVILLE, KY 40223 | HUMANADENTAL INSURANCE COMPANY | $7K | — | $7K | 6.20% |
| FIFTH THIRD INSURANCE AGENCY INC | 9700 ORMSBY STATION RD ST LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 6.27% |
| INTEGRO INSURANCE BROKERS Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 6.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Other services Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $120K |
| ANTHEM INSURANCE COMPANIES, INC. | Float revenue; Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $111K |
| EPIC INS SULUTIONS AGENCY LLC | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $50K |
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 | 452 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 324 | $367K |
| Dental | HUMANADENTAL INSURANCE COMPANY | 251 | $118K |
| Vision | HUMANA INSURANCE COMPANY | 257 | $25K |
| Life insurance | ONE AMERICA | 452 | $250K |
| Short-term disability | ONE AMERICA | 452 | $250K |
| Long-term disability | ONE AMERICA | 452 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.