| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 179 FAIRFIELD AVENUE BELLEVUE, KY 41073 | STANDARD INSURANCE COMPANY | $28K | $3K | $31K | 16.81% |
| UNKNOWN3 | 3617 BEATEN PATH LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $119 | $9K | 8.95% |
| UNKNOWN3 | 5905 EAST GALBRAITH ROAD SUITE 500 CINCINNATI, OH 45236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 6.25% |
| UNKNOWN3 | 251 BIG EDDY ROAD FRANKFORT, KY 40601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $739 | $3K | 3.26% |
| MJ INSURANCE3 Filed as: UNKNOWN AND VARIOUS AGENTS | 4000 SMITH ROAD, SUITE 400 CINCINNATIE, OH 45209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.79% |
| UNKNOWN3 | 445 MADISON POINT DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $42 | $2K | 1.73% |
| UNKNOWN3 | 430 ENGINEER STREET CORBIN, KY 40701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $612 | $0 | $612 | 0.64% |
| UNKNOWN3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $603 | $0 | $603 | 0.63% |
| ASSUREDPARTNERS3 | 4500 TOWN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | ANTHEM LIFE INSURANCE COMPANY | $10K | $0 | $10K | 13.49% |
| ASSUREDPARTNERS3 | 4500 TOWN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $6K | $0 | $6K | 8.43% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 228 | $70K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 228 | $70K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 219 | $73K |
| Short-term disability | STANDARD INSURANCE COMPANY | 111 | $186K |
| Long-term disability | STANDARD INSURANCE COMPANY | 111 | $186K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 219 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.