| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPREHENSIVE BUSINESS INSURANCE3 | P.O. BOX 2257 CORBIN, KY 40702 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.99% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY | 3008 ATKINSON AVENUE LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 6.47% |
| COMPREHENSIVE BUSINESS INSURANCE3 | P.O. BOX 1485 CORBIN, KY 40702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 5.43% |
| PENA ENTERPRISES INC3 | 2212 BELMONT DRIVE LEXINGTON, KY 40516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $65 | $2K | 2.02% |
| LESLIE ANN FEATHERLY3 | 3022 HELENA ROAD FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $10 | $1K | 1.55% |
| THE HINTON AGENCY LLC3 | 121 EAST ELECTRIC AVENUE FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $886 | $122 | $1K | 1.22% |
| ANNE T. ALTIERI3 Filed as: ANNE TAVENNER ALTIERI | 3008 ATKINSON AVENUE LEXINGTON, KY 40509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $570 | — | $570 | 0.69% |
| NATHAN JOHN LAVIN3 | 385 REDDING ROAD LEXINGTON, KY 40517 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $340 | $9 | $349 | 0.42% |
| JUAN CHARRY3 | 110 SADDLEBROOK CIRCLE WINCHESTER, KY 40403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $264 | — | $264 | 0.32% |
| SARAH BARDELL3 | 424 CUNNINGHAM LANE LEXINGTON, KY 40508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | $14 | $208 | 0.25% |
| THE BARDELL AGENCY3 | 424 CUNNINGHAM LANE LEXINGTON, KY 40508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.08% |
| CHRISTOPHER LEE HOWARD3 | 2964 SANDERSVILLE ROAD LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.07% |
| VANCE NEAL MICHAEL3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| LAURA SUMIE CELIS GAMAS3 | 321 E CHARLESTOWN AVENUE JEFFERSONVILLE, IN 47130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| LISA R GRAVES3 | 1400 GLENNS CREEK ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 698 PERIMETER DRIVE LEXINGTON, KY 40517 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| COMPREHENSIVE BUSINESS INSURANCE3 | P.O. BOX 1485 CORBIN, KY 40702 | ANTHEM LIFE INSURANCE COMPANY | $605 | — | $605 | 13.30% |
| 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 | — | $55K |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | 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 | 102 | $83K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $83K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $170K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 73 | $83K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 73 | $83K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.