| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE RD. LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | — | — | $0 | 0.00% |
| EXPRESS SCRIPTS, INC.3 Filed as: EXPRESS SCRIPTS | — | ANTHEM HEALTH PLANS OF KENTUCKY | $66K | — | $66K | 62.88% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1511 RED MILE RD. LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY | $18K | — | $18K | 17.32% |
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM HEALTH PLANS OF KENTUCKY, IN | — | ANTHEM HEALTH PLANS OF KENTUCKY | $15K | — | $15K | 14.23% |
| KENTUCKY HOSPITAL SERVICE CO3 Filed as: KENTUCKY HOSPITAL SERVICE CO. | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY | $3K | — | $3K | 2.89% |
| BENEFIT INSURANCE MARKET3 | 1151 RED MILE RD. LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $3K | $6K | 14.83% |
| ASSUREDPARTNERS3 Filed as: BENFITS INSURANCE MARKET | 1151 RED MILE RD. LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $3K | 13.64% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | — | $3K | 18.83% |
| BENEFITS INSURANCE MARKET3 | 1151 RED MILE RD. LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $807 | $778 | $2K | 16.54% |
| MARY T. MADDOX3 | 3429 STONY SPRING CIRCLE LOUISVILLE, KY 40220 | ALLSTATE | $385 | — | $385 | 6.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SRVS OF KY, INC. | 950 BRECKENRIDGE LANE, STE. 50 LOUISVILLE, KY 40207 | ALLSTATE | $122 | — | $122 | 2.09% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ALLSTATE | $117 | — | $117 | 2.00% |
| BENEFIT COMMUNICATORS INC3 Filed as: BENEFIT COMMUNICATORS, INC. | 3429 STONY SPRING CIRCLE LOUISVILLE, TN 40220 | ALLSTATE | $10 | — | $10 | 0.17% |
| CORBY C. BURUS3 | 340 WHITFIELD DR. LEXINGTON, KY 40515 | AFLAC | $189 | — | $189 | 5.15% |
| LIB WILSON & ASSOCIATES, INC.3 | 214 EDGEWOOD DR. NICHOLASVILLE, KY 40356 | AFLAC | $44 | — | $44 | 1.20% |
| BENEFIT INSURANCE MARKETING, INC.3 | 1151 RED MILE RD LEXINGTON, KY 40504 | AFLAC | $37 | — | $37 | 1.01% |
| LESLIE K KIMBROUGH3 | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $26 | — | $26 | 0.71% |
| CHARLENE MONTGOMERY LLC3 Filed as: CHARLENE MONTGOMERY, LLC | 214 EDGEWOOD DR. NICHOLASVILLE, KY 40356 | AFLAC | $26 | — | $26 | 0.71% |
| SHANNON CARPENTER3 | 207 CITATION CT. WINCHESTER, KY 40509 | AFLAC | $18 | — | $18 | 0.49% |
| RUEANN M EMERSON3 Filed as: RUEANN M. EMERSON | 4820 LAKE BROOK DR., STE. 125 GLEN ALLEN, VA 23060 | AFLAC | $17 | — | $17 | 0.46% |
| KATHLEEN A SMITH3 | 1180 HIGH POINT DR. NICHOLASVILLE, KY 40356 | AFLAC | $17 | — | $17 | 0.46% |
| LAWERANCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DR. LEXINGTON, KY 40515 | AFLAC | $15 | — | $15 | 0.41% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE RD., STE 605 LOUISVILLE, KY 40222 | AFLAC | $14 | — | $14 | 0.38% |
| BONNIE TAFT3 Filed as: BONNIE L TAFT | 179 HOLSTEIN LANE TOMS BROOK, VA 22660 | AFLAC | $14 | — | $14 | 0.38% |
| RUEANN EMERSON3 | 4820 LAKE BROOK DR. STE 125 GLEN ALLEN, VA 23060 | AFLAC | $9 | — | $9 | 0.25% |
| SALLY A MEAD3 | 1535 FIANNA PLACE TERRACE FORT SMITH, AR 72908 | AFLAC | $8 | — | $8 | 0.22% |
| RPM LTD3 Filed as: RPM LTD. | P O BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $6 | — | $6 | 0.16% |
| DAVID A EMERSON3 | 4820 LAKE BROOK DR., STE. 125 GLEN ALLEN, VA 23060 | AFLAC | $5 | — | $5 | 0.14% |
| JAMES A TAFT JR3 Filed as: JAMES A TAFT JR. | 179 HOLSTEIN LANE TOMS BROOK, VA 22660 | AFLAC | $4 | — | $4 | 0.11% |
| DIANA K FAIN3 | 201 NATCHEZ TRACE NICHOLASVILLE, KS 40356 | AFLAC | $4 | — | $4 | 0.11% |
| MICHAEL FATHERREE3 | PO BOX 36823 TUCSON, AZ 85740 | AFLAC | $4 | — | $4 | 0.11% |
| POWELL ENTERPRISES LLC3 Filed as: POWELL ENTERPRISES, LLC | 400 DABNEY DR., APT 1 LEXINGTON, KY 40509 | AFLAC | $3 | — | $3 | 0.08% |
| DALE DRAGOMIR3 | 202 HUTCHINS DR. WILMORE, KY 40390 | AFLAC | $2 | — | $2 | 0.05% |
| RALPH E HOPKINS3 | PO BOX 606 GEORGETOWN, KY 40324 | AFLAC | $2 | — | $2 | 0.05% |
| KEITH FRIZZELL3 | 1795 ALYSHEBA WAY, STE. 1204 LEXINGTON, KY 40509 | AFLAC | $1 | — | $1 | 0.03% |
| TIMOTHY T TEAGUE3 | 5104 RUSSELL RD. FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.03% |
| NANCY K BLOCKER3 Filed as: NANCY K MACKEY | 3631 E 48TH PLACE TULSA, OK 74135 | AFLAC | $1 | — | $1 | 0.03% |
| CLEO S MARTIN3 | 108 DINTON CT. COLUMBIA, SC 29212 | AFLAC | $1 | — | $1 | 0.03% |
| JANET C. HUNTER3 Filed as: JANET C HUNTER | 1047 CREEKSIDE LANE NICHOLASVILLE, KY 40356 | AFLAC | $0 | — | $0 | 0.00% |
| THE HINTON AGENCY LLC3 Filed as: THE HINTON AGENCY | P O BOX 106 FLEMINGSBURG, KY 41041 | AFLAC | $0 | — | $0 | 0.00% |
| BENEFIT INSURANCE MARKET3 Filed as: BENEFIT INSURANCE MARKET, INC. | 1151 RED MILE RD. LEXINGTON, KY 40504 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $210 | $94 | $304 | 21.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY, IN EIN 61-1237516 NONE | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator Service code 12 | — | $66K |
| BENEFIT INSURNACE MARKETING, INC. | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $18K |
| BENEFIT INSURANCE MARKETING EIN 61-0966902 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | $0 |
| EXPRESS SCRIPTS EIN 31-1714795 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator Service code 12 | — | $0 |
| KENTUCKY HOSPITAL SERVICE EIN 61-1004776 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | $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 | 30 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 22 | $6K |
| Dental | DELTA DENTAL OF KENTUCKY | 0 | $161K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 0 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 492 | $42K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY | 36 | $106K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 599 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 599 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.