| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC.3 | 1351 WM. HOWARD TAFT ROAD CINCINNATI, OH 452061721 | ANTHEM INSURANCE COMPANIES, INC. | $40K | — | $40K | 0.29% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 109 INTERNATIONAL DRIVE SUITE 101 FRANKLIN, TN 37067 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.39% |
| VMI ACQUISITION INC | P.O. BOX 1779 BOWLING GREEN, KY 42102 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 8.11% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC | 109 INTERNATIONAL DRIVE SUITE 101 FRANKLIN, TN 37067 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 21.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 | Other services; Float revenue; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $801K |
| NETWORK PHARMACY MARGIN | Other fees Service code 99 | — | $2K |
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 | 900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 2,189 | $13.8M |
| Dental(3 contracts, 3 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 2,189 | $14.5M |
| Vision(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 2,189 | $13.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 996 | $114K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,189 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,189 | — |
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.
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.