| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET 200 GREENSBORO, NC 27455 | ANTHEM LIFE INSURANCE COMPANY | $20K | $3K | $23K | 15.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 EAST VINE STREET SUITE 200 LEXINGTON, KY 40507 | AMERITAS LIFE INSURANCE CORP. | $7K | — | $7K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DRIVE SUITE 100 BUILDING I DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORP. | — | $1K | $1K | 1.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 EAST VINE STREET SUITE 200 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 14.72% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA R LARSON | 801 LAUDERDALE DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $958 | — | $958 | 5.93% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE T FUGATE | 2352 HARLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $362 | — | $362 | 2.24% |
| JOHN EDWARD SHAFF3 | 1566 STONINGTON ROAD MITCHELL, IN 47446 | CONTINENTAL AMERICAN INSURANCE COMPANY | $155 | — | $155 | 0.96% |
| LAURA BETH KELLER3 Filed as: LAURA B KELLER | 2220 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KS 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.30% |
| JUSTIN M GUIDI3 | 1039 44TH AVENUE NORTH SUITE 101 MYRTLE BEACH, SC 29577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.30% |
| REBECCA BRENT3 | 0606 STONEBREAKER ROAD LOUISVILLE, KY 40291 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.25% |
| WILLIAM W ELLIOTT, II3 | 7463 SALEM NOBLE ROAD CHARLESTOWN, IN 47111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.25% |
| DALE I DAVIS3 | 333 EAST SHORT STREET SUITE 130 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.19% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE T FUGATE | 2443 SIR BARTON WAY SUITE 400 LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.18% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 5511 MOSER KNOB ROAD FLOYDS KNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.14% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.13% |
| JOHN T CLANCY3 | 4025 PETE DYE BOULEVARD CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.12% |
| KARI MULLINS3 | 1003 CLAIRBORNE WAY LEXINGTON, KY 40517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.09% |
| SHAWN M COLIN3 | 2005 FLORA DRIVE FLOYDS KNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.09% |
| ANDREW W LAMAR3 | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| MARK C LAMAR3 | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| DAVID WATSON3 | 3912 FALLEN TIMBER DRIVE LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 15173 KAMPEN CIRCLE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DRIVE JASPER, IN 47546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| MATTHEW A COOK3 | 10069 BENT TREE LANE FISHERS, IN 46037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| MATTHEW HUDSON3 | 11501 WILLOW STREAM COURT APARTMENT 301 LOUISVILLE, KY 40299 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 5511 MOSER KNOB ROAD FLOYDS KNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| KYLE K CLAXTON3 | 2995 SUGAR CAMP ROAD COVINGTON, KY 41017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3625 NORTH ELM STREET 200 GREENSBORO, NC 27455 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $1K | $173 | $2K | 9.66% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 109 | $70K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 109 | $86K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 179 | $146K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 179 | $146K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 179 | $146K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE | 164 | $213K |
| Other(4 contracts, 4 carriers) | ANTHEM LIFE INSURANCE COMPANY | 206 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.