| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $32K | $0 | $32K | 4.13% |
| ASSUREDPARTNERS3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $0 | $1K | $1K | 0.17% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 6.11% |
| MARY CARMELA BERARDI3 Filed as: MARY BERARDI | 1795 ALYSHEBA WAY, SUITE 1204 LEXINGTON, KY 40509 | AFLAC | $4K | $137 | $4K | 5.42% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $2K | $0 | $2K | 3.21% |
| LAURA J NEWMAN-SUTER3 Filed as: LAURA NEWMAN-SUTER AND OTHER AGENTS | 414 CHINOE ROAD LEXINGTON, KY 40502 | AFLAC | $2K | $0 | $2K | 2.40% |
| LAURA BETH KELLER3 Filed as: LAURA KELLER | 2220 EXECUTIVE DRIVE, SUITE 204 LEXINGTON, KY 40505 | AFLAC | $860 | $73 | $933 | 1.23% |
| LAWRENCE FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $738 | $0 | $738 | 0.97% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $485 | $24 | $509 | 0.67% |
| VONDA BLANCETT3 | 3529 WILLOW SPRING LEXINGTON, KY 40509 | AFLAC | $325 | $160 | $485 | 0.64% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 14.36% |
| MARY CARMELA BERARDI3 Filed as: MARY C. BERARDI | 3617 BEATEN PATH LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $299 | $0 | $299 | 7.18% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE K. KIMBROUGH | PO BOX 623557 OVIEDO, FL 32762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | $0 | $64 | 1.54% |
| RUEANN M EMERSON3 Filed as: RUEANN M. EMERSON | 225 SOMERSLY PLACE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.67% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA J. FLY | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.19% |
| REGINA CALDWELL3 Filed as: REGINA G. CALDWELL | 2046 SINKING CREEK ROAD LONDON, KY 40741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.19% |
| LAURA BETH KELLER3 Filed as: LAURA B. KELLER | 2220 EXECUTIVE DRIVE, SUITE 204 LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.14% |
| R AARON WRIGHT3 Filed as: AARON R. WRIGHT AND OTHER AGENTS | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.07% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 164 | $764K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 164 | $764K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 164 | $764K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 145 | $37K |
| Short-term disability | STANDARD INSURANCE COMPANY | 56 | $87K |
| Long-term disability | STANDARD INSURANCE COMPANY | 56 | $87K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 164 | $764K |
| Other(3 contracts, 3 carriers) | AFLAC | 145 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.