| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | PO BOX 10 ONA, WV 25545 | STANDARD INSURANCE COMPANY | $20K | $3K | $23K | 15.32% |
| ASSUREDPARTNERS3 | 4500 TOWN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $7K | $0 | $7K | 5.96% |
| ASSUREDPARTNERS3 | 4500 TOWN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | ANTHEM LIFE INSURANCE COMPANY | $9K | $0 | $9K | 12.61% |
| MARY CARMELA BERARDI3 Filed as: MARY C. BERARDI | 3617 BEATEN PATH LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | $0 | $107 | 7.36% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE K. KIMBROUGH | PO BOX 623557 OVIEDO, FL 32762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 1.51% |
| RUEANN M EMERSON3 Filed as: RUEANN M. EMERSON | 225 SOMERSLY PLACE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.62% |
| LAURA BETH KELLER3 Filed as: LAURA B. KELLER | 2220 EXECUTIVE DRIVE, SUITE 204 LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.28% |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA J. FLY | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.21% |
| REGINA CALDWELL3 Filed as: REGINA G. CALDWELL | 2046 SINKING CREEK ROAD LONDON, KY 40741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.21% |
| R AARON WRIGHT3 Filed as: AARON R. WRIGHT | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 217 | $121K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 217 | $121K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 202 | $72K |
| Short-term disability | STANDARD INSURANCE COMPANY | 96 | $147K |
| Long-term disability | STANDARD INSURANCE COMPANY | 96 | $147K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 202 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.