| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $32K | $6K | $38K | 5.36% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | STANDARD INSURANCE COMPANY | $14K | $1K | $15K | 16.52% |
| BENEFIT INS MARKETING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | — | -$1K | -$1K | -1.32% |
| MARY CARMELA BERARDI3 Filed as: MARY BERARDI | 1795 ALYSHEBA WAY, SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $5K | $201 | $5K | 5.34% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | AFLAC | $3K | $165 | $4K | 3.83% |
| MJ INSURANCE3 Filed as: JOHN R HUGHES AND VARIOUS AGENTS | 2841 BURNT MILL ROAD LEXINGTON, KY 40511 | AFLAC | $3K | — | $3K | 2.87% |
| KAREN FLYNN3 | 2220 EXECUTIVE DRIVE, SUITE 204 LEXINGTON, KY 40505 | AFLAC | $1K | $773 | $2K | 2.09% |
| LAURA BETH KELLER3 | 2220 EXECUTIVE DRIVE, SUITE 204 LEXINGTON, KY 40505 | AFLAC | $1K | $205 | $1K | 1.41% |
| VONDA BLANCETT3 | 3529 WILLOW SPRING LEXINGTON, KY 40505 | AFLAC | $1K | $148 | $1K | 1.41% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $1K | — | $1K | 1.09% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM LIFE INSURANCE COMPANY | $4K | $271 | $4K | 12.92% |
| MARY CARMELA BERARDI3 Filed as: MARY C. BERARDI | 3617 BEATEN PATH LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $371 | — | $371 | 6.15% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE K. KIMBROUGH | PO BOX 623557 OVIEDO, FL 32762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 1.31% |
| RUEANN M EMERSON3 Filed as: RUEANN M. EMERSON | 225 SOMERSLY PLACE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.58% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA J. FLY | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.17% |
| REGINA CALDWELL3 Filed as: REGINA G. CALDWELL | 3900 SWEETBRIER CIRCLE LEXINGTON, KY 40514 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.17% |
| LAURA BETH KELLER3 Filed as: LAURA B KELLER | 2220 EXECUTIVE DRIVE, SUITE 204 LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.15% |
| MJ INSURANCE3 Filed as: AARON R WRIGHT AND VARIOUS AGENTS | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.08% |
No Schedule C service providers reported on this filing.
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 171 | $714K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 171 | $714K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 171 | $714K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 134 | $34K |
| Short-term disability | STANDARD INSURANCE COMPANY | 57 | $93K |
| Long-term disability | STANDARD INSURANCE COMPANY | 57 | $93K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 171 | $714K |
| Other(3 contracts, 3 carriers) | AFLAC | 134 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.