| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 392 TRAVERSE CITY, MI 49684 | DELTA DENTAL OF KENTUCKY | $847 | — | $847 | 1.63% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | 1120 MAIN STREET BENTON, KY 42025 | DELTA DENTAL OF KENTUCKY | $577 | — | $577 | 1.11% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND | PO BOX 427 BENTON, KY 42025 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | — | $3K | 17.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD SUITE 202 WAUKESHA, WI 53188 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $560 | — | $560 | 3.86% |
| KENTUCKY HOSPITAL SERVICE CO3 Filed as: KENTUCKY HOSPITAL SERVICE COMPANY | 2501 NELSON MILLER PKWY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $332 | — | $332 | 2.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASPIRANT INC NONE | Contract Administrator Service code 13 | 500 NORTH HURSTBOURNE PARKWAY SUITE 100 LOUISVILLE, KY 40222 | $60K |
| ANTHEM HEALTH PLANS OF KY INC EIN 61-1237516 NONE | Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue Service code 12 | — | $34K |
| SKYLINE TERRACE LLC NONE | Non-monetary compensation; Other commissions; Insurance agents and brokers Service code 22 | 1246 S THIRD ST LOUISVILLE, KY 40203 | $0 |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 233 | $52K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 199 | $14K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 84 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
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.