| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $15K | — | $15K | 4.90% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | — | $2K | 2.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASPIRANT, INC. ADMINISTRATOR | Contract Administrator Service code 13 | 500 N. HURSTBOURNE PKWY, STE 100 LOUISVILLE, KY 40222 | $442K |
| SBR SERVICES, LLC BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2300 WINDY RIDGE PKWY, STE 695S ATLANTA, GA 30339 | $52K |
| BIM GROUP CONSULTANT | Consulting fees; Consulting (general) Service code 16 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | $50K |
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 | 1,333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,089 | $301K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,078 | $70K |
| Life insurance | KENTUCKY HOME LIFE INSURANCE COMPANY | 1,567 | $450K |
| Other | KENTUCKY HOME LIFE INSURANCE COMPANY | 1,567 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,567 | — |
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."
No prospect flags tripped on this filing.