| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $44K | — | $44K | 3.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 8570 MAGELLAN PARKWAY SUITE 1100 RICHMOND, VA 23227 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | $159 | $159 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTRIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY | $24K | — | $24K | 12.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 8570 MAGELLAN PARKWAY SUITE 1100 RICHMOND, VA 23227 | ANTHEM LIFE INSURANCE COMPANY | — | $12K | $12K | 6.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | AMERITAS LIFE INSURANCE CORPORATION | $1K | — | $1K | 10.00% |
| JOHN EDWARD SHAFF3 | 1566 STONINGTON ROAD MITCHELL, IN 47446 | CONTINENTAL AMERICAN INSURANCE COMPANY | $487 | — | $487 | 3.89% |
| JUSTIN M GUIDI3 | 555 NORTH PLEASANT BURG DRIVE SUITE 200 GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $170 | — | $170 | 1.36% |
| WILLIAM W ELLIOTT, II3 Filed as: WILLIAM W ELLIOTT II | 7463 SALEM NOBLE ROAD CHARLESTOWN, IN 47111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | — | $112 | 0.89% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 14220 OVERBROOK DRIVE CARMEL, IN 46074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.66% |
| JOHN T CLANCY3 | 4025 PETE DYE BOULEVARD CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.57% |
| BRANDEE L JUSTUS3 | 5700 VOCTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.22% |
| SAHWN M COLIN3 | 2005 FLORA DRIVE FLOYDS KNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.19% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.09% |
| MATTHEW A COOK3 | 10069 BENT TREE LANE FISHERS, IN 46037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.09% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DRIVE JASPER, IN 47546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.07% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA L ROWE | 8333 CATCH FLY DRIVE PLAINFIELD, IN 46168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 225 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 134 | $13K |
| Vision(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 225 | $1.4M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 259 | $195K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 259 | $207K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 259 | $195K |
| Other(4 contracts, 4 carriers) | ANTHEM LIFE INSURANCE COMPANY | 287 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.