| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT INS. SERVICES | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | ANTHEM HEALTH PLANS OF KENTUCKY, INC | $97K | $0 | $97K | 4.49% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT INS. SERVICES | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | ANTHEM LIFE INSURANCE COMPANY | $14K | $0 | $14K | 11.86% |
| BENEFITS AMERICA INS. SVCS., LLC3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | AMERITAS LIFE INSURANCE CORPORATION | $7K | $0 | $7K | 10.00% |
| WANADA BUSINESS SERVICES CORP.3 Filed as: WANADA BUSINESS SERVICES CORP | 5301 WISCONSIN AVENUE NW, SUITE 210 WASHINGTON DC, DC 20015 | GUARDIAN | $11K | $0 | $11K | 19.56% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT INS. SERVICES | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | STANDARD INSURANCE COMPANY | $862 | $0 | $862 | 23.37% |
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 | 48 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 55 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 48 | $2.2M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 68 | $67K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 68 | $67K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 36 | $126K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 36 | $126K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 36 | $126K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 48 | $2.2M |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 121 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.