| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAN METER INSURANCE AGENCY INC3 Filed as: VAN METER INSURANCE AGENCY, INC | 1240 FAIRWAY ST. BOWLING GREEN, KY 42103 | ANTHEM INSURANCE COMPANIES, INC. | $36K | — | $36K | 0.24% |
| VAN METER INSURANCE AGENCY INC3 Filed as: VAN METER INSURANCE AGENCY | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | BERKLEY LIFE AND HEALTH INSURANCE CO | $41K | — | $41K | 7.25% |
| VMI ACQUISITION INC | P.O. BOX 1779 BOWLING GREEN, KY 42102 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 8.00% |
| VAN METER INSURANCE AGENCY INC Filed as: VAN METER INS AGENCY INC | 109 INTERNATIONAL DRIVE SUITE 101 FRANKLIN, TN 37067 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 20.00% |
| VAN METER INSURANCE AGENCY INC Filed as: VAN METER INS AGENCY INC | 1240 FAIRWAY ST. BOWLING GREEN, KY 42103 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $604K |
| NETWORK PHARMACY MARGIN | Other fees Service code 99 | — | $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 | 939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 2,430 | $15.7M |
| Dental(3 contracts, 3 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 2,430 | $15.1M |
| Vision(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 2,430 | $15.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,040 | $125K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,430 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,430 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.