| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 550 PLEASTVILLE ROAD SUITE 160 SOUTH BRIARCLIFF MANOR, NY 10510 | DELTA DENTAL OF KENTUCKY | $23K | — | $23K | 7.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $7K | $26K | 20.33% |
| BENEFIT EXPRESS SERVICES LLC3 | 1700 E GOLF ROAD #600 SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $914 | $914 | 0.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.17% |
| BENEFIT EXPRESS SERVICES LLC3 | 1700 E GOLF ROAD #600 SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $757 | $757 | 0.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $4K | $7K | 9.66% |
| BENEFIT EXPRESS SERVICES LLC3 | 1700 E GOLF ROAD #600 SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $546 | $546 | 0.70% |
| USI INSURANCE SERVICES LLC3 | 555 PLEASANTVILLE ROAD SUITE 160 SOUTH BRIARCLIFF MANOR, NY 10510 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 9.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $601 | $2K | 20.41% |
| BENEFIT EXPRESS SERVICES LLC3 | 1700 E GOLF ROAD #600 SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $80 | $80 | 0.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 NETWORK/TPA | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $905K |
| ANTHEM HEALTH PLANS OF KENTUCKY | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $33K |
| INGENIORX, INC. EIN 82-3062245 ADMIN | Float revenue; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | -$239K |
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 | 474 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,011 | $285K |
| Vision | DELTA DENTAL OF KENTUCKY | 921 | $51K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 773 | $78K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 365 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 584 | $113K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,009 | $184K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 773 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,011 | — |
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.