| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $17 | $13K | 12.31% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 5905 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | — | $225 | $225 | 0.22% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 3.68% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC. | 4500 TOWN CENTER BLVD #200 JEFFERSONVILLE, IN 47130 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | — | $3K | 10.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | -$1 | — | -$1 | -0.00% |
| DANIEL MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 12.62% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC. | 1945 SCOTTSVILLE RD #100 BOWLING GREEN, KY 42104 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $17 | $1K | 5.56% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 E GALBRAITH RD #5000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $41 | $41 | 0.18% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.11% |
| DANIEL MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37203 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 14.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC. | 1945 SCOTTSVILLE RD #100 BOWLING GREEN, KY 42104 | METROPOLITAN LIFE INSURANCE COMPANY | $780 | $17 | $797 | 6.16% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 5905 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26 | $26 | 0.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY EIN 61-1237516 PLAN ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator Service code 12 | — | $192K |
| INGENIORX, INC. EIN 82-3062245 RX ADMIN | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Contract Administrator Service code 12 | — | -$73K |
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 | 576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 385 | $95K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 190 | $30K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 576 | $102K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $16K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 576 | $102K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 576 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.