| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $21K | $173 | $21K | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 200 BROOKSTONE CENTRE PARKWAY SUITE 118 COLUMBUS, GA 31904 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $17K | — | $17K | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N SUITE 300 MINNEAPOLIS, MN 55428 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $6K | — | $6K | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $74 | $36K | 10.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PARK 80 WEST - PLAZA 2 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 2.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | DELTA DENTAL OF KENTUCKY | $30K | — | $30K | 9.57% |
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 | 339 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,083 | $4.2M |
| Dental | DELTA DENTAL OF KENTUCKY | 1,106 | $317K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,083 | $4.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 604 | $341K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 604 | $341K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 604 | $341K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 604 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,106 | — |
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."
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.