| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 100 EAST RIVERCENTER BOULEVARD SUITE 800 COVINGTON, KY 41011 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $34K | $0 | $34K | 2.48% |
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | UNITED OF OMAHA INSURANCE COMPANY | $9K | $0 | $9K | 11.85% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | UNITED OF OMAHA INSURANCE COMPANY | $0 | $3K | $3K | 3.48% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT SERVICES, INC. | PO BOX 1929 FORT MILL, SC 29716 | SYMETRA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 18.08% |
| ASSUREDPARTNERS3 | 4500 TOWN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 20.00% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 165 | $1.4M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 165 | $1.4M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 165 | $1.4M |
| Life insurance | UNITED OF OMAHA INSURANCE COMPANY | 124 | $78K |
| Long-term disability | UNITED OF OMAHA INSURANCE COMPANY | 124 | $78K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 165 | $1.4M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA INSURANCE COMPANY | 233 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.