| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955909 ST. LOUIS, MO 631950001 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $52K | — | $52K | 2.58% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 3.99% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $573 | $6K | 11.02% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $291 | $4K | 13.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | GERBER | $1K | — | $1K | 10.00% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 296 | $2.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 299 | $77K |
| Vision | GERBER | 271 | $14K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 94 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.