| 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. | $99K | $215 | $99K | 1.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $42 | $47K | 10.38% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & COMPANY | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 2.33% |
| 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 | — | $6K | $6K | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | DELTA DENTAL OF KENTUCKY | $22K | — | $22K | 5.69% |
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 | 388 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,297 | $6.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 1,296 | $391K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,297 | $6.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 752 | $456K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 752 | $456K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 752 | $456K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 752 | $456K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,297 | — |
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.