| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION ROAD STE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $63K | $2K | $65K | 2.26% |
| MEDLINK INC3 Filed as: MEDLINK, INC. | PO BOX 23570 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $5K | $63 | $5K | 0.18% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY RD SUITE 520 CINCINNATI, OH 45236 | ANTHEM LIFE INSURANCE COMPANY | $18K | — | $18K | 11.10% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 45202 | AFLAC | $3K | — | $3K | 6.17% |
| BRIAN GRAHAM INC3 | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | AFLAC | $1K | — | $1K | 3.20% |
| SHARON MCSHANE3 | 10300 LINN STATIM ROAD LOUISVILLE, KY 40222 | AFLAC | $408 | — | $408 | 1.00% |
| LEEZA DANIELE WRIGHT3 Filed as: LEEZA D WRIGHT | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $245 | — | $245 | 0.60% |
| DAVID WATSON3 | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | AFLAC | $132 | — | $132 | 0.32% |
| REBECCA A DEFERRARO3 | 307 MONOHAN DR LOUISVILLE, KY 40207 | AFLAC | $22 | — | $22 | 0.05% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 5905 E GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | AFLAC | $20 | — | $20 | 0.05% |
| MARK GALVIN LLC3 Filed as: MARK A GALVIN | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $18 | — | $18 | 0.04% |
| AKERS ENTERPRISES LLC3 Filed as: AKERS ENTERPRISES, LLC | 362 WILLOWBROOK DRIVE FISHERVILLE, KY 40023 | AFLAC | $17 | — | $17 | 0.04% |
| ENROLLEASE3 Filed as: RONALD L CLARKE | 10300 LINN STATION ROAD LOUISVILLE, KY 40223 | AFLAC | $9 | — | $9 | 0.02% |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 630 | $2.9M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 630 | $2.9M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 630 | $2.9M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 148 | $164K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 148 | $164K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 148 | $164K |
| Other | AFLAC | 78 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 630 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.