| 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. | $3K | — | $3K | 0.52% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE RD. LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $12K | — | $12K | 9.15% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE RD. LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 11.93% |
| 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 | — | $7K | 11.94% |
| 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 | — | $7K | 11.94% |
| 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 | 15.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC. | 1151 RED MILE RD. LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KY, INC. EIN 61-1237516 | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $164K |
| BENEFIT INSURANCE MARKETING INC. EIN 61-0966902 | Insurance agents and brokers; Non-monetary compensation; Other commissions; Other fees; Insurance brokerage commissions and fees 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 | 261 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 413 | $135K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 228 | $623K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $81K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $63K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $56K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 228 | $623K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.