| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE RD. LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | $79 | $79 | 0.03% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE RD. LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $11K | — | $11K | 9.96% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE RD. LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $1K | $8K | 12.69% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE RD. LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $846 | $6K | 12.88% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE RD. LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $762 | $5K | 12.88% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE RD. LEXINGTON, KY 40504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.98% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE RD. LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $762 | $129 | $891 | 12.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KY, INC. EIN 61-1237516 | Float revenue; Other fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing Service code 12 | 1792 ALYSHEBA WAY, STE. 200 LEXINGTON, KY 40509 | $101K |
| BENEFIT INSURANCE MARKETING INC. EIN 61-0966902 | Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers Service code 22 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | $0 |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 356 | $109K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 198 | $284K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $65K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $41K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 198 | $284K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.