| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 200 BROOKSTONE CENTRE PARKWAY SUITE 118 COLUMBUS, GA 31904 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $730 | — | $730 | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $424 | — | $424 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $141 | $94 | $235 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | -$31 | — | -$31 | -0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | ANTHEM LIFE INSURANCE COMPANY | $18K | — | $18K | 10.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | ANTHEM LIFE INSURANCE COMPANY | — | $2K | $2K | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 EAST VINE STREET SUITE 200 LEXINGTON, KY 40507 | AMERITAS LIFE INSURANCE CORP. | $8K | — | $8K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DRIVE SUITE 100 BUILDING I DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORP. | — | $723 | $723 | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE SUITE 400 SADDLEBROOK, NJ 07663 | AMERITAS LIFE INSURANCE CORP. | — | $180 | $180 | 0.23% |
| JOHN EDWARD SHAFF3 | 1566 STONINGTON ROAD MITCHELL, IN 47446 | CONTINENTAL AMERICAN INSURANCE COMPANY | $572 | — | $572 | 4.89% |
| JUSTIN M GUIDI3 | 555 NORTH PLEASANT BURG DRIVE SUITE 200 GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154 | — | $154 | 1.32% |
| WILLIAM W ELLIOTT, II3 | 7463 SALEM NOBLE ROAD CHARLESTOWN, IN 47111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 0.88% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 5511 MOSER KNOB ROAD FLOYDS KNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.65% |
| JOHN T CLANCY3 | 4025 PETE DYE BOULEVARD CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 EAST VINE STREET SUITE 200 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.51% |
| SHAWN M COLIN3 | 2005 FLORA DRIVE FLOYDS KNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.50% |
| BRANDEE L JUSTUS3 | 101 PLAZA EAST BOULEVARD SUITE 317 EVANSVILLE, IA 47715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.37% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.09% |
| MATTHEW A COOK3 | 10069 BENT TREE LANE FISHERS, IN 46037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.09% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DRIVE JASPER, IN 47456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.08% |
| 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 | 230 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 142 | $79K |
| Vision(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 231 | $342K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 276 | $183K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 276 | $195K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 276 | $183K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 231 | $252K |
| Other(4 contracts, 4 carriers) | ANTHEM LIFE INSURANCE COMPANY | 322 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.