| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | P.O. BOX 955909 ST. LOUIS, MO 63195 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 14.13% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 4.58% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 220 WEST MAIN STREET, SUITE 1855 LOUISVILLE, KY 402021395 | FIDELITY SECURITY LIFE INSURANCE COMPANY DBA EYEMED VISION CARE | $936 | — | $936 | 5.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 12 | — | $115K |
| AON RISK SERVICES CENTRAL INC EIN 36-4279204 BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 220 W. MAIN ST, STE 1800 LOUISVILLE, KY 40202 | $46K |
| ANTHEM HEALTH PLAN OF KENTUCKY INC | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $27K |
| INGENIO RX, INC EIN 82-3062245 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue Service code 12 | — | -$13K |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 253 | $59K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY DBA EYEMED VISION CARE | 225 | $17K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $76K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $76K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $76K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.