| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY;JACK WILSON | 161 WASHINGTON ST, STE 1200 CONSHOHOCKEN, PA 55428 | DELTA DENTAL OF KENTUCKY | $26K | — | $26K | 2.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2 MORRISSEY BLVD, LOCKBOX 412703 DORCHESTER, MA 02125 | HCC LIFE INSURANCE COMPANY | — | $29K | $29K | 2.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 33213 COLLECTION CENTER DR CHICAGO, IL 606930628 | HCC LIFE INSURANCE COMPANY | — | $21K | $21K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | — | $47K | 4.95% |
| 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 | — | $10K | $10K | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $117 | $117 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 360 E VINE STREET, STE 200 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42K | — | $42K | 7.16% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA R LARSON | 801 LAUDERDALE DRIVE LEXINGTON, KY 41076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26K | — | $26K | 4.42% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE T FUGATE | 2352 HARTLAND PARKSIDE DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.79% |
| LAURA BETH KELLER3 Filed as: LAURA B KELLER | 445 MADISON POINT DR LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.23% |
| MARK C LAMAR3 | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $499 | — | $499 | 0.09% |
| DALE I DAVIS3 | 333 E SHORT STREET, STE 130 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $415 | — | $415 | 0.07% |
| CAREN OSTROWSKI3 | 854 KINGSWAY DR VERSAILLES, KY 40383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $355 | — | $355 | 0.06% |
| BRENT HUTCHINSON3 Filed as: BRENT D HUTCHINSON | 1450 N BROADWAY LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $325 | — | $325 | 0.06% |
| HEATHER L MAMMEN3 | 251 BIG EDDY RD FRANKFORT, KY 40503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $315 | — | $315 | 0.05% |
| REBEKAH SMALLWOOD3 Filed as: REBEKAH L SMALLWOOD | 61 BUCKFIELD RD PIKEVILLE, KY 41501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | — | $278 | 0.05% |
| ANTHONY C HARTSFIELD3 | 469 ALDERBROOK WAY LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | — | $278 | 0.05% |
| BRIAN S MARTIN3 | 3604 REMORA DR LEXINGTON, KY 40517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | — | $278 | 0.05% |
| REGINA G CALDWELL3 | 2043 SINKING CREEK ROAD LONDON, KY 40741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | — | $278 | 0.05% |
| SUSAN M. HINKLE3 Filed as: SUSAN M HINKLE | 283 HYDE PARK LANE CORBIN, KY 40701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | — | $278 | 0.05% |
| LINDSEY HOSKINS3 | 912 HAMMOCK OAK LN LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | — | $278 | 0.05% |
| MARY CARMELA BERARDI3 Filed as: MARY C BERARDI | 3344 SWEET CLOVER LN LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $261 | — | $261 | 0.04% |
| JESSICA SWICK3 Filed as: JESSICA M SWICK | 444 JIM FORSYTHE LN HARRODSBURG, KY 40330 | CONTINENTAL AMERICAN INSURANCE COMPANY | $226 | — | $226 | 0.04% |
| TYLER A DECKER3 | 4325 COBBLESTON E KNOLL DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $163 | — | $163 | 0.03% |
| KARI MULLINS3 | 1003 CLAIBORNE WAY LEXINGTON, KY 40517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 300 WEST 10TH ST, PO BOX 70 WEST POINT, GA 38133 | METLIFE LEGAL PLANS | $1K | — | $1K | 15.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 9850 NW 41ST ST, STE 100 MIAMI, FL 33178 | METLIFE LEGAL PLANS | — | $12 | $12 | 0.16% |
| 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 | Float revenue; Claims processing; Insurance brokerage commissions and fees; Insurance agents and brokers; Non-monetary compensation; Contract Administrator; Other commissions; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $1.5M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Claims processing; Contract Administrator Service code 12 | — | $111K |
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 | 6,152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 2,175 | $1.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 6,152 | $1.1M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,627 | $1.5M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 838 | $582K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 2,175 | $1.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,627 | $951K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,152 | — |
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.