| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | METROPOLITAN LIFE INSURANCE COMPANY | $114K | $33 | $114K | 11.67% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28K | $28K | 2.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $625 | $625 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF KENTUCKY | $38K | — | $38K | 9.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $178K | $10K | $188K | 95.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY, IN EIN 61-1237516 ADMIN SERVICES | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator Service code 12 | — | $893K |
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 | 1,342 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 799 | $196K |
| Dental | DELTA DENTAL OF KENTUCKY | 2,410 | $385K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 799 | $196K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,342 | $973K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,342 | $973K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,342 | $973K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,342 | $973K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,410 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.