| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $25K | — | $25K | 1.77% |
| KENTUCKY CHAMBER3 Filed as: KENTUCKY CHAMBER OF COMMERCE | 464 CHENAULT ROAD FRANKFORT, KY 40601 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $11K | — | $11K | 0.77% |
| JA BENEFITS LLC3 | 1630 H STREET BEDFORD, IN 47421 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $6K | — | $6K | 0.44% |
| ARISON INSURANCE SERVICES, INC.3 Filed as: ARISON INSURANCE SERVICES INC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $5K | — | $5K | 0.35% |
| THE UNDERWRITERS GROUP INC3 | PO BOX 23790 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $384 | — | $384 | 0.03% |
| JA BENEFITS LLC3 | 1630 H STREET BEDFORD, IN 47421 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 4.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 195 SCOTT SWAMP ROAD SUITE 201 FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 195 SCOTT SWAMP ROAD SUITE 201 FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.06% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $18K | — | $18K | 12.89% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1185 AVENUE OF AMERICAS SUITE 2010 NEW YORK, NY 10036 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 5.10% |
| JA BENEFITS LLC3 | 1630 H STREET BEDFORD, IA 47421 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.44% |
| SUMMITT ALLIANCE BENEFIT COMP3 | 700 REGENT STREET MADISON, WI 53715 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.72% |
No Schedule C service providers reported on this filing.
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 | 763 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 598 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 833 | $317K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 833 | $317K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 833 | $355K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 833 | $459K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 833 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.