| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY;JACK WILSON | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF KENTUCKY | $24K | — | $24K | 2.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | $33 | $51K | 5.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE STE 400 PK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $365 | $365 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 360 E VINE STREET, STE 200 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | — | $33K | 8.68% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA R LARSON | 801 LAUDERDALE DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 4.00% |
| ASSUREDPARTNERS3 Filed as: LAWRENCE T FUGATE; ASSURED PARTNERS | 2443 SIR BARTON WAY, STE 400 LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.81% |
| LAURA BETH KELLER3 Filed as: LAURA B KELLER | 2220 EXECUTIVE DRIVE, STE 204 LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.29% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE T FUGATE | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.28% |
| DALE I DAVIS3 | 333 E SHORT STREET, STE 130 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $368 | — | $368 | 0.10% |
| MARK C LAMAR3 | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $314 | — | $314 | 0.08% |
| HEATHER L MAMMEN3 | 468 BOB O LINK DRIVE LEXINGTON, KY 40503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | — | $278 | 0.07% |
| MARY CARMELA BERARDI3 Filed as: MARY C BERARDI | 3617 BEATEN PATH LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $256 | — | $256 | 0.07% |
| REBEKAH SMALLWOOD3 Filed as: REBEKAH L SMALLWOOD | 561 BUCKFIELD RD PIKEVILLE, KY 41501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $244 | — | $244 | 0.06% |
| ANTHONY C HARTSFIELD3 | 333 E SHORT STREET, STE 130 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $244 | — | $244 | 0.06% |
| BRIAN S MARTIN3 | 3280 BLAZER PARKWAY, STE 201 LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $244 | — | $244 | 0.06% |
| TYLER A DECKER3 | 4325 COBBLESTON E KNOLL DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $244 | — | $244 | 0.06% |
| REGINA G CALDWELL3 | 2043 SINKING CREEK ROAD LONDON, KY 40741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $244 | — | $244 | 0.06% |
| SUSAN M. HINKLE3 Filed as: SUSAN M HINKLE | 283 HYDE PARK LANE CORBIN, KY 40701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $244 | — | $244 | 0.06% |
| LINDSEY HOSKINS3 | 912 HAMMOCK OAK LN LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $244 | — | $244 | 0.06% |
| JESSICA SWICK3 Filed as: JESSICA M SWICK | 2148 LARKSPUR DR, APT 23C LEXINGTON, KY 40504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $211 | — | $211 | 0.05% |
| CAREN OSTROWSKI3 | 100 CLAY AVE GEORGETOWN, KY 40324 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.03% |
| KARI MULLINS3 | 1003 CLAIBORNE WAY LEXINGTON, KY 40517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.02% |
| MARY CARMELA BERARDI3 Filed as: MARY C BERARDI | 3617 BEATEN PATH LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.01% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA R LARSON | 801 LAUDERDALE DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | $2K | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KY EIN 61-1237516 | Other commissions; Float revenue; Other services; Non-monetary compensation; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Insurance brokerage commissions and fees; Insurance agents and brokers; Contract Administrator Service code 12 | — | $1.3M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Claims processing; Contract Administrator Service code 12 | — | $122K |
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 | 6,137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,166 | $76 |
| Dental | DELTA DENTAL OF KENTUCKY | 6,137 | $1.1M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,585 | $1.3M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 762 | $384K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,166 | $76 |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 3,585 | $920K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,137 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.