| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | P.O. BOX 427 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KY, INC. | $221K | $3K | $224K | 2.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD, SUITE 202 WAUKESHA, WI 53188 | ANTHEM HEALTH PLANS OF KY, INC. | $116K | — | $116K | 1.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC | 9300 SHELBYVILLE ROAD, STE 1004 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KY, INC. | $13K | $1K | $14K | 0.14% |
| WHITENACK & SOUDER INSURANCE INC3 | 204 S MAIN ST HARRODBURG, KY 40330 | ANTHEM HEALTH PLANS OF KY, INC. | $13K | — | $13K | 0.12% |
| INSURANCE SOLUTIONS OF KENTUCKY INC3 | 800 DIEDERICH BLVD RUSSELL, KY 41169 | ANTHEM HEALTH PLANS OF KY, INC. | $12K | — | $12K | 0.12% |
| EMPLOYEE BENEFIT ASSOCIATES, INC.3 Filed as: EMPLOYEE BENEFIT ASSOC INC | P.O. BOX 910650 LEXINGTON, KY 40591 | ANTHEM HEALTH PLANS OF KY, INC. | $8K | — | $8K | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE COMPANY | $12K | — | $12K | 9.37% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND, INC | PO BOX 427 BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | — | $7K | 5.63% |
| CAPSTONE BENEFIT GROUP INC3 | 6110 TECHNOLOGY CENTER DR #500 INDIANAPOLIS, IN 46278 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 6.95% |
| CAPSTONE BENEFIT GROUP INC3 | 6110 TECHNOLOGY CENTER DR #500 INDIANAPOLIS, IN 46278 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| RIDDLE INSURANCE3 | PO BOX 427 BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 4.90% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $720 | $720 | 0.89% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $384 | $4K | 7.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 6.97% |
| CAPSTONE BENEFIT GROUP INC3 | 6110 TECHNOLOGY CENTER DR #500 INDIANAPOLIS, IN 46278 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $2K | $2K | 3.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN STREET BENTON, KY 42025 | PARAMOUNT DENTAL | $5K | — | $5K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | HEALTH RESOURCES INC | $4K | — | $4K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | PARAMOUNT DENTAL | $4K | — | $4K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | HEALTH RESOURCES INC | $3K | — | $3K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 8.86% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 6.14% |
| CAPSTONE BENEFIT GROUP INC3 | 6110 TECHNOLOGY CENTER DR #500 INDIANAPOLIS, IN 46278 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $855 | $855 | 5.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | HEALTH RESOURCES INC | $640 | — | $640 | 10.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE | $431 | — | $431 | 8.65% |
| CAPSTONE BENEFIT GROUP INC3 | 6110 TECHNOLOGY CENTER DR #500 INDIANAPOLIS, IN 46278 | AMERICAN UNITED LIFE INSURANCE | — | $249 | $249 | 4.99% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE | $194 | — | $194 | 3.89% |
| PHILLIP D HUNT3 | 132 S LAKE DR, STE 101 PRESTONSBURG, KY 41653 | AMERICAN UNITED LIFE INSURANCE | $123 | — | $123 | 2.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | HEALTH RESOURCES INC | $396 | — | $396 | 10.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | HEALTH RESOURCES INC | $339 | — | $339 | 10.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | HEALTH RESOURCES INC | $263 | — | $263 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE COMPANY | $162 | — | $162 | 8.74% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE COMPANY | $116 | — | $116 | 6.26% |
| CAPSTONE BENEFIT GROUP INC3 | 6110 TECHNOLOGY CENTER DR #500 INDIANAPOLIS, IN 46278 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $93 | $93 | 5.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE COMPANY | $249 | — | $249 | 14.99% |
| CAPSTONE BENEFIT GROUP INC3 | 6110 TECHNOLOGY CENTER DR #500 INDIANAPOLIS, IN 46278 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $83 | $83 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | HEALTH RESOURCES INC | $54 | — | $54 | 3.32% |
| WHITENACK & SOUDER INSURANCE INC3 Filed as: WHITENACK & SOUDER INSURANCE | 204 S MAIN ST HARRODSBURG, KY 40330 | HEALTH RESOURCES INC | $27 | — | $27 | 1.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | HEALTH RESOURCES INC | $151 | — | $151 | 10.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | HEALTH RESOURCES INC | $94 | — | $94 | 10.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | HEALTH RESOURCES INC | $47 | — | $47 | 6.98% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | 1120 MAIN ST BENTON, KY 42025 | HEALTH RESOURCES INC | $20 | — | $20 | 2.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | HEALTH RESOURCES INC | $41 | — | $41 | 10.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE COMPANY | $34 | — | $34 | 8.85% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | P.O. BOX 427 BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE COMPANY | $24 | — | $24 | 6.25% |
| CAPSTONE BENEFIT GROUP INC3 | 6110 TECHNOLOGY CENTER DR #500 INDIANAPOLIS, IN 46278 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $19 | $19 | 4.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | AMERICAN UNITED LIFE INSURANCE COMPANY | $49 | — | $49 | 15.17% |
| CAPSTONE BENEFIT GROUP INC3 | 6110 TECHNOLOGY CENTER DR #500 INDIANAPOLIS, IN 46278 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $17 | $17 | 5.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1120 MAIN ST BENTON, KY 42025 | HEALTH RESOURCES INC | $30 | — | $30 | 10.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUSINESSOLVER.COM INC EIN 42-1503807 NONE | Contract Administrator Service code 13 | — | $71K |
| CAPSTONE ADMINISTRATORS LLC EIN 35-2260019 NONE | Contract Administrator Service code 13 | — | $22K |
| DEAN DORTON ALLEN FORD PLLC EIN 27-3858252 NONE | Accounting (including auditing) Service code 10 | — | $21K |
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 | 855 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC. | 1,175 | $10.6M |
| Dental(15 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KY, INC. | 1,175 | $10.8M |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 1,175 | $10.6M |
| Life insurance(8 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 115 | $205K |
| Short-term disability(4 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 115 | $261K |
| Long-term disability(4 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 115 | $261K |
| Other(9 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 115 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,175 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.