| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | DBA TRION GROUP, MMC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $431K | $431K | 2.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY EIN 61-1237516 THIRD PARTY ADMIN | Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $3.3M |
| HEALTH TRUST PURCHASING GROUP THIRD PARTY ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 155 FRANKLIN ROAD BRENTWOOD, TN 37027 | $235K |
| WILLIS RE INC. THIRD PARTY ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | PO BOX 60820 CHARLOTTE, NC 28260 | $118K |
| KENTUCKY HOSPITAL SERVICE CO CONTRACT ADMINISTRATOR | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | $26K |
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 | 47,677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 605 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 48,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 47,564 | $14.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,564 | — |
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.