| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $19K | $1K | $20K | 2.51% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42103 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $4K | $0 | $4K | 0.50% |
| ASSUREDPARTNERS3 | UNKNOWN LOUISVILLE, KY 42103 | DELTA DENTAL OF KENTUCKY | $1K | $0 | $1K | 3.82% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | DELTA DENTAL OF KENTUCKY | $447 | $0 | $447 | 1.34% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $2K | $0 | $2K | 6.55% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $2K | $251 | $2K | 6.14% |
| LAURA BETH KELLER AND OTHER AGENTS3 | 2220 EXECUTIVE DRIVE, SUITE 204 LEXINGTON, KY 40505 | AFLAC | $845 | $554 | $1K | 4.62% |
| DEBORAH MCGREGOR ADDESSI3 | 1488 LEESTOWN ROAD LEXINGTON, KY 40511 | AFLAC | $590 | $299 | $889 | 2.94% |
| ASSUREDPARTNERS3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | AFLAC | $729 | $0 | $729 | 2.41% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $268 | $60 | $328 | 1.08% |
| ANTHONY C HARTSFIELD3 Filed as: ANTHONY C. HARTSFIELD | 469 ALDERBROOK WAY LEXINGTON, KY 40505 | AFLAC | $162 | $60 | $222 | 0.73% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.39% |
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | METROPOLITAN LIFE INSURANCE COMPANY | $725 | $0 | $725 | 2.82% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 134 | $797K |
| Dental | DELTA DENTAL OF KENTUCKY | 144 | $33K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 134 | $797K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 193 | $26K |
| Short-term disability | AFLAC | 38 | $30K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 134 | $797K |
| Other(2 contracts, 2 carriers) | AFLAC | 193 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.