| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY | P.O. BOX 55268 LEXINGTON, KY 40555 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.75% |
| COMPREHENSIVE BUSINESS INSURANCE3 | P.O. BOX 2257 CORBIN, KY 40702 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.82% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY | 3008 ATKINSON AVENUE LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $5K | $19K | 31.96% |
| ANNE T. ALTIERI3 Filed as: ANNE TAVENNER ALTIERI | 3008 ATKINSON AVENUE LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $6K | $8K | 13.70% |
| THE HINTON AGENCY LLC3 | 121 EAST ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $5K | $7K | 11.45% |
| LESLIE ANN FEATHERLY3 | 3022 HELENA ROAD FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $399 | $4K | 5.91% |
| SARAH BARDELL3 | 2132 LIGHTHOUSE LANE LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $142 | $2K | 4.13% |
| LAURA SUMIE CELIS GAMAS3 | 321 E CHARLESTOWN AVENUE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $590 | $808 | $1K | 2.33% |
| PENA ENTERPRISES INC3 | 3288 SWEET CLOVER LANE LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $117 | $1K | 2.21% |
| REGINA SCHMUTTE3 | 851 CHARWOOD DRIVE LEXINGTON, KY 40515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | $811 | $1K | 1.78% |
| DANNY KYLE PRATER3 | P.O. BOX 281 TOLLESBORO, KY 41189 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $55 | $169 | 0.28% |
| EMILY ANNE HOGAN | 3717 MT. HEBRON ROAD LANCASTER, KY 40444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.19% |
| VANCE NEAL MICHAEL3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INSURANCE | 698 PERIMETER DRIVE LEXINGTON, KY 40517 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY | P.O. BOX 55268 LEXINGTON, KY 40555 | ANTHEM LIFE INSURANCE COMPANY | $879 | — | $879 | 13.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KY EIN 61-1237516 N/A | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $131K |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 0 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $97K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $97K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $163K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 149 | $60K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 149 | $60K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.