| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARY CARMELA BERARDI3 | 3344 SWEET CLOVER LANE LEXINGTON, KY 40509 | AFLAC | $1K | $0 | $1K | 8.95% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $674 | $0 | $674 | 4.09% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS AND VARIOUS AGENTS | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | AFLAC | $525 | $0 | $525 | 3.19% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | AFLAC | $230 | $0 | $230 | 1.40% |
| LAURA BETH KELLER3 | 445 MADISON POINT DRIVE LEXINGTON, KY 40515 | AFLAC | $219 | $0 | $219 | 1.33% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $184 | $0 | $184 | 1.12% |
| CAREN OSTROWSKI3 | 854 KINGSWAY DRIVE VERSAILLES, KY 40383 | AFLAC | $165 | $0 | $165 | 1.00% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | $0 | $2K | 12.64% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 435 WHITTINGTON PARKWAY, SUITE 300 LOUISVILLE, KY 40222 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 25.68% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 253 | $12K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 253 | $12K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 236 | $6K |
| Short-term disability | STANDARD INSURANCE COMPANY | 106 | $17K |
| Long-term disability | STANDARD INSURANCE COMPANY | 66 | $11K |
| Other(2 contracts, 2 carriers) | AFLAC | 236 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.