| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDLINK INC3 Filed as: MEDLINK, INC. | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $43K | — | $43K | 2.04% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $30K | $5K | $36K | 1.69% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $3K | $11K | 14.31% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 5905 E GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $14K | — | $14K | 32.94% |
| SHARON MCSHANE3 | 10300 LINN STATIM ROAD LOUISVILLE, KY 40222 | AFLAC | $4K | — | $4K | 9.14% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | AFLAC | $4K | — | $4K | 8.70% |
| LEEZA DANIELE WRIGHT3 Filed as: LEEZA D WRIGHT | 105 DAVENTRY LANE SUITE 100 LOUISVILLE, KY 40223 | AFLAC | $2K | — | $2K | 4.20% |
| DAVID WATSON3 | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | AFLAC | $483 | — | $483 | 1.18% |
| ENROLLEASE3 Filed as: RONALD L CLARKE | 10300 LINN STATION ROAD LOUISVILLE, KY 40223 | AFLAC | $6 | — | $6 | 0.01% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 16.53% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $443 | $2K | 14.02% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH ROAD SUITE 102 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $427 | $1K | 14.20% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | — | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $5K | — | $5K | 73.20% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | — | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $2K | — | $2K | 26.80% |
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 | 260 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 641 | $2.1M |
| Dental(2 contracts) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 641 | $2.1M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 641 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 641 | $80K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 641 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 641 | $27K |
| Other(2 contracts, 2 carriers) | AFLAC | 641 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.