| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: INSURACE SPECIALISTS, LLC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $34K | — | $34K | 2.82% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | -$20 | $9K | $9K | 0.72% |
| PEDIGO LESSENBERRY INSURANCE3 Filed as: PEDIGO LESSENBERRY INS. AGENCY INC. | PO BOX 1899 GLASGOW, KY 42142 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | -$8 | — | -$8 | -0.00% |
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS, LLC | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | DELTA DENTAL OF KENTUCKY | $10K | — | $10K | 9.15% |
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS, LLC | 1750 SCOTTSVILLE ROAD, SUITE 4 LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 13.73% |
| BENEFITS INSURANCE MARKETING3 Filed as: BENEFITS INSURANCE MARKETING, INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $765 | $2K | $3K | 2.46% |
| PEDIGO LESSENBERRY INSURANCE3 Filed as: PEDIGO LESSENBERRY INS. AGENCY INC. | 103 PIN OAK LANE GLASGOW, KY 42141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $510 | — | $510 | 0.48% |
| BENEFITS INSURANCE MARKET3 Filed as: BENEFITS INSURANCE MARKET, INC. | 1151 RED MILE ROAD LEXINGTON, KY 40504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $540 | — | $540 | 3.89% |
| VICKIE E LEWIS3 Filed as: VICKIE E. LEWIS | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $333 | $27 | $360 | 2.59% |
| MARY DUFF3 | 1005 RICHMOND ROAD LEXINGTON, KY 40502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $311 | $30 | $341 | 2.46% |
| SANDRA S DOUGHERTY3 Filed as: SANDRA S. DOUGHERTY | 4302 DARBROOK ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $8 | $52 | 0.37% |
| JEFFREY D HARNED3 Filed as: JEFFREY D. HARNED | 13117 EASTPOINT PARK BOULEVARD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $6 | $13 | 0.09% |
| VMI ACQUISITION INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| MJ INSURANCE3 Filed as: MICHAEL J. BOONE AND VARIOUS AGENTS | 1302 CLEAR SPRINGS TRACE LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 269 | $1.2M |
| Dental | DELTA DENTAL OF KENTUCKY | 351 | $110K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 269 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $106K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $106K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $106K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 269 | $1.2M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.