| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL OF KENTUCKY | $5K | $0 | $5K | 0.93% |
| PEDIGO LESSENBERRY INSURANCE3 Filed as: PEDIGO-LESSENBERRY INSURANCE AGENCY | PO BOX 1899 GLASGOW, KY 42142 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 0.62% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $9K | $0 | $9K | 5.99% |
| PEDIGO LESSENBERRY INSURANCE3 Filed as: PEDIGO-LESSENBERRY INSURANCE AGENCY | PO BOX 1899 GLASGOW, KY 42142 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $6K | $0 | $6K | 3.99% |
| MJ INSURANCE3 Filed as: R. AARON WRIGHT AND VARIOUS AGENTS | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $3K | $0 | $3K | 3.18% |
| MURPHY M DEMUNBRUN JR3 Filed as: MURPHY M. DEMUNBRUN | 93 ARNOLD DRIVE GLASGOW, KY 42141 | AFLAC | $2K | $0 | $2K | 2.59% |
| WANDA JEAN ANDERSON3 | 1751 WHITE OAK RIDGE ROAD FOUNTAIN RUN, KY 42133 | AFLAC | $1K | $0 | $1K | 1.36% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE ROAD LEXINGTON, KY 40504 | AFLAC | $1K | $0 | $1K | 1.23% |
| DARRYL J YOUNG3 Filed as: DARRYL J. YOUNG | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | AFLAC | $948 | $0 | $948 | 1.08% |
| DEBORAH BIGGERS3 Filed as: DEBORAH K. BIGGERS | 126 LONGHUNTERS TRAIL GLASGOW, KY 42141 | AFLAC | $834 | $0 | $834 | 0.95% |
| PEDIGO LESSENBERRY INSURANCE3 Filed as: PEDIGO-LESSENBERRY INSURANCE AGENCY | PO BOX 1899 GLASGOW, KY 42142 | AFLAC | $694 | $0 | $694 | 0.79% |
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 | 1,113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 2,207 | $527K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,977 | $148K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,113 | $0 |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,113 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,113 | $0 |
| Other(2 contracts, 2 carriers) | AFLAC | 1,113 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,207 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.