| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE RD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KY, INC. | $19K | $7K | $25K | 5.42% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE RD LEXINGTON, KY 40504 | GUARDIAN LIFE INSURANCE COMPANY | $19K | $369 | $19K | 12.43% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE RD LEXINGTON, KY 40504 | MANHATTENLIFE | $366 | $0 | $366 | 8.31% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | PO BOX 99565 LOUISVILLE, KY 40269 | MANHATTENLIFE | $264 | $0 | $264 | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASPIRANT EIN 87-4144306 ADMIN | Claims processing Service code 12 | — | $14K |
| BIM GROUP BROKER | Insurance agents and brokers Service code 22 | 1151 RED MILE RD LEXINGTON, KY 40504 | $6K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $5K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $1K |
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 | 83 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC. | 152 | $464K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 107 | $155K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 107 | $155K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 107 | $155K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 107 | $155K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 107 | $155K |
| Stop-loss / reinsurancereinsurance | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 83 | $65K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 107 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.