| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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. | — | $732 | $732 | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 WEST 4TH AVENUE SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.12% |
| PAMELA ROWSEY LARSON3 | 801 LAUDERDALE DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.63% |
| WESLEY E JARBOE3 | 1102 LEATHERS LANE FRANKFORT, KY 40601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $836 | — | $836 | 1.42% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA R LARSON | 801 LAUDERDALE DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $507 | — | $507 | 0.86% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA R LARSON | 801 LAUDERDALE DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $185 | — | $185 | 0.31% |
| BRENT HUTCHINSON3 Filed as: BRENT D HUTCHINSON | 1450 NORTH BROADWAY LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | — | $116 | 0.20% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | — | $111 | 0.19% |
| LAURA BETH KELLER3 | 445 MADISON POINT DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.12% |
| JOHN EDWARD SHAFF3 | 1566 STONINGTON ROAD MITCHELL, IN 47446 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | — | $68 | 0.12% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.05% |
| WILLIAM W ELLIOTT, II3 | 7463 SALEM NOBLE ROAD CHARLESTOWN, IN 47111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.04% |
| KARI MULLINS3 | 1003 CLAIBORNE WAY LEXINGTON, KY 40517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| DALE IRA DAVIS3 | 333 EAST SHORT STREET SUITE 130 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| REBECCA BRENT3 | 0606 STONEBREAKER ROAD LOUISVILLE, KY 40291 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MARK C LAMAR3 Filed as: MARK CARTER LAMAR | 1006 APPLE BLOSSOM DRIVE FLORENCE, KS 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MITCHELL D ELLIOTT3 Filed as: MITCHELL DANE ELLIOTT | 353 WEST 4TH STREET UNIT 304 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| KEVIN F WARD3 | 12632 DOUBLE EAGLE DRIVE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MATTHEW A COOK3 | 10069 BENT TREE LANE FISHERS, IN 46037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MARK A WOJDA3 | 16258 DOGWOOD LANE PLYMOUTH, IN 46563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MARILYNN SCHAFER3 | 1701 BARRETT LAKES BOULEVARD SUITE 240 KENNESAW, GA 30144 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM LIFE INSURANCE COMPANY | $6K | — | $6K | 37.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF KY, INC. | $1K | $168 | $2K | 10.98% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 130 | $65K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 130 | $80K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 160 | $15K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 160 | $15K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 160 | $15K |
| Stop-loss / reinsurancereinsurance | ACCURISK SOLUTIONS LLC | 166 | $196K |
| Other(4 contracts, 4 carriers) | AMERITAS LIFE INSURANCE CORP. | 177 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.