| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $16K | $0 | $16K | 2.18% |
| ASSUREDPARTNERS3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $6K | $0 | $6K | 0.78% |
| ASSUREDPARTNERS3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | AFLAC | $4K | $0 | $4K | 14.27% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $3K | $15 | $3K | 12.86% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $3K | $0 | $3K | 10.78% |
| MJ INSURANCE3 Filed as: LAURA B. KELLER AND VARIOUS AGENTS | 2220 EXECUTIVE DRIVE, SUITE 204 LEXINGTON, KY 40503 | AFLAC | $1K | $0 | $1K | 4.24% |
| DEBORAH MCGREGOR ADDESSI3 | 1488 LEESTOWN ROAD LEXINGTON, KY 40511 | AFLAC | $952 | $0 | $952 | 3.56% |
| JESSICA SWICK3 | 444 JIM FORSYTHE LANE HARRODSBURG, KY 40330 | AFLAC | $489 | $0 | $489 | 1.83% |
| ANDREW WAYNE LAMAR3 | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | AFLAC | $328 | $0 | $328 | 1.23% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $76 | $3K | 13.51% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $136 | $0 | $136 | 4.71% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 138 | $728K |
| Dental | DELTA DENTAL OF KENTUCKY | 152 | $3K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 138 | $728K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $24K |
| Short-term disability | AFLAC | 40 | $27K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 138 | $728K |
| Other(2 contracts, 2 carriers) | AFLAC | 195 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.