| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 435 WHITTINGTON PARKWAY, SUITE 300 LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 9.13% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 5.87% |
| MARY CARMELA BERARDI3 Filed as: MARY BERARDI | 3344 SWEET CLOVER LANE LEXINGTON, OH 40509 | AFLAC | $2K | $50 | $2K | 10.68% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $1K | $0 | $1K | 5.74% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA LARSON | 844 SANDSTONE RIDGE COLD SPRING, KY 41076 | AFLAC | $258 | $38 | $296 | 1.62% |
| TYLER DECKER3 Filed as: TYLER DECKER AND OTHER AGENTS | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $232 | $0 | $232 | 1.27% |
| HEATHER MAMMEN3 | PO BOX 4574 FRANKFORT, KY 40604 | AFLAC | $181 | $0 | $181 | 0.99% |
| LAURA BETH KELLER3 Filed as: LAURA KELLER | 445 MADISON POINT DRIVE LEXINGTON, KY 40515 | AFLAC | $158 | $0 | $158 | 0.87% |
| BRENT HUTCHINSON3 | 1450 NORTH BROADWAY LEXINGTON, KY 40505 | AFLAC | $121 | $0 | $121 | 0.66% |
| ASSUREDPARTNERS3 | 5909 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.28% |
| ASSUREDPARTNERS3 | 435 WHITTINGTON PARKWAY, SUITE 300 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $9K | $0 | $9K | 59.83% |
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 | 516 | 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) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 299 | $15K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 299 | $15K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 516 | $15K |
| Short-term disability | STANDARD INSURANCE COMPANY | 122 | $32K |
| Long-term disability | STANDARD INSURANCE COMPANY | 122 | $32K |
| Other(2 contracts, 2 carriers) | AFLAC | 516 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.