| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4500 TOWN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $93K | $4K | $96K | 3.87% |
| ASSUREDPARTNERS3 | 4500 TOWN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | DELTA DENTAL | $6K | $0 | $6K | 9.11% |
| ASSUREDPARTNERS3 | 4500 TOWN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | ANTHEM LIFE INSURANCE COMPANY | $590 | $24 | $614 | 3.87% |
| MJ INSURANCE3 Filed as: THOMAS MORRIS AND VARIOUS AGENTS | 2322 PATCHEN WILKES DRIVE LEXINGTON, KY 40509 | AFLAC | $686 | $0 | $686 | 6.64% |
| ASSUREDPARTNERS3 | 5905 EAST GLBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $545 | $0 | $545 | 5.28% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RIDGE COLD SPRING, KY 41076 | AFLAC | $290 | $0 | $290 | 2.81% |
| DAVID LUURTSEMA3 | 308 ROSEDALE DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $104 | $0 | $104 | 1.01% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $99 | $0 | $99 | 0.96% |
| MIGUEL ROMAN3 | 2107 WOODBOURNE AVENUE LOUISVILLE, KY 40205 | AFLAC | $87 | $0 | $87 | 0.84% |
| DEBRA SMART3 | 605 AUTUMN WOOD DRIVE RICHMOND, KY 40475 | AFLAC | $85 | $0 | $85 | 0.82% |
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 | 679 | 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) | 679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 646 | $2.5M |
| Dental | DELTA DENTAL | 247 | $68K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 646 | $2.5M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 679 | $16K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 646 | $2.5M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 679 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.