| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 4500 TOWN CENTER BLVD SUITE 200 JEFFERSONVILLE, IN 47130 | DELTA DENTAL OF KENTUCKY | $65K | — | $65K | 5.22% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | SYMETRA LIFE INSURANCE COMPANY | $359K | $49K | $408K | 36.37% |
| ASSURED NL INS SVCS INC.3 Filed as: ASSURED NL INS AGCY, INC. | 5905 EAST GAILBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36K | — | $36K | 15.72% |
| LOCKTON COMPANIES, LLC3 | 8110 E UNION AVE #700 DENVER, CO 80237 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 6.36% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC | 8182 MARYLAND AVE SUITE 250 ST LOUIS, MO 63105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.82% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS, INC. | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.80% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29229 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 4500 TOWN CENTER BLVD SUITE 200 JEFFERSONVILLE, IN 47130 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $22K | — | $22K | 9.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY EIN 61-1237516 MEDICAL/VISION | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | — | $759K |
| AMERIBEN / IEC GROUP EIN 82-0497661 TPA | Claims processing Service code 12 | — | $422K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $209K |
| ASSUREDPARTNERS NL, LLC EIN 45-2712475 STOP LOSS SUPPL. COMP. | Contract Administrator; Claims processing Service code 12 | — | $81K |
| CURALINC, LLC EIN 33-1206383 EAP ADMIN | Contract Administrator; Claims processing Service code 12 | — | $50K |
| MARQUEE HEALTH EIN 46-5472798 WELLNESS PROGRAM | Claims processing; Contract Administrator Service code 12 | — | $35K |
| MCGRIFF INSURANCE SERVICES EIN 56-1623293 FSA ADMIN | Contract Administrator; Claims processing Service code 12 | — | $30K |
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 | 3,276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 131 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 2,383 | $1.2M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,967 | $229K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 3,276 | $1.1M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,276 | $1.1M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,276 | $1.1M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,276 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,276 | — |
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.