| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 3.40% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $17 | $10K | 11.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $888 | $103 | $991 | 1.13% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC. | 4500 TOWN CENTER BLVD #200 JEFFERSONVILLE, IN 47130 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | — | $3K | 10.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $206 | — | $206 | 0.76% |
| DANIEL MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 13.13% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC. | 1945 SCOTTSVILLE RD #100 BOWLING GREEN, KY 42104 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $17 | $1K | 5.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $136 | $7 | $143 | 0.64% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.10% |
| DANIEL MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37203 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 21.50% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC. | 1945 SCOTTSVILLE RD #100 BOWLING GREEN, KY 42104 | METROPOLITAN LIFE INSURANCE COMPANY | $757 | — | $757 | 7.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $188 | — | $188 | 1.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY EIN 61-1237516 PLAN ADMIN | Claims processing; Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $303K |
| HR SIMPLIFIED HRA ADMIN | Contract Administrator; Claims processing Service code 12 | 5320 WEST 23RD STREET SUITE 350 MINNEAPOLIS, MN 55416 | $8K |
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 | 624 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 420 | $104K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 208 | $27K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 624 | $88K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $18K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 624 | $88K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 624 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 624 | — |
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.