| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 525 W MONROE STE 600 CHICAGO, IL 60661 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 2.88% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $309 | — | $309 | 0.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $11K | 11.11% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | METROPOLITAN LIFE INSURANCE COMPANY | — | $192 | $192 | 0.19% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16 | $16 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | $546 | $3K | 11.04% |
| DANIEL MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37203 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 29.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $28 | $1K | 12.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HR SIMPLIFIED HRA ADMIN | Contract Administrator; Claims processing Service code 12 | 5320 WEST 23RD STREET SUITE 350 MINNEAPOLIS, MN 55416 | $8K |
| ANTHEM HEALTH PLANS OF KENTUCKY EIN 61-1237516 PLAN ADMIN | Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $56 |
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 | 632 | 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) | 635 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 461 | $108K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 222 | $31K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 632 | $102K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 632 | $102K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 632 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.