| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT ASSOCIATES, INC.3 | P O BOX 910650 LEXINGTON, KY 40591 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $27K | — | $27K | 2.68% |
| EMPLOYEE BENEFIT ASSOCIATES, INC.3 | 1029 MONARCH STREET, SUITE 130 LEXINGTON, KY 40513 | DELTA DENTAL OF KENTUCKY | $2K | — | $2K | 3.08% |
| EMPLOYEE BENEFIT ASSOCIATES, INC.3 | PO BOX 910650 LEXINGTON, KY 40591 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.23% |
| BENEFIT INS MARKETING INC3 Filed as: BENEFIT INS MARKETING IN | 1151 RED MILE RD LEXINGTON, KY 40504 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $487 | — | $487 | 1.55% |
| EMPLOYEE BENEFIT ASSOCIATES, INC.3 | PO BOX 910650 LEXINGTON, KY 40591 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.46% |
| BENEFIT INS MARKETING INC3 Filed as: BENEFIT INS MARKETING IN | 1151 RED MILE RD LEXINGTON, KY 40504 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $295 | — | $295 | 0.98% |
| EMPLOYEE BENEFIT ASSOCIATES, INC.3 | P O BOX 910650 LEXINGTON, KY 40591 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.75% |
| BENEFIT INS MARKETING INC3 Filed as: BENEFIT INS MARKETING IN | 1151 RED MILE RD LEXINGTON, KY 40504 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $225 | — | $225 | 1.26% |
| EMPLOYEE BENEFIT ASSOCIATES, INC.3 | PO BOX 910650 LEXINGTON, KY 40591 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.30% |
| BENEFIT INS MARKETING INC3 Filed as: BENEFIT INS MARKETING IN | 1151 RED MILE RD LEXINGTON, KY 40504 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $203 | — | $203 | 1.28% |
| EMPLOYEE BENEFIT ASSOCIATES, INC.3 | 1029 MONARCH STREET, SUITE 130 LEXINGTON, KY 40513 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $643 | — | $643 | 11.89% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 185 | $990K |
| Dental | DELTA DENTAL OF KENTUCKY | 221 | $72K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 185 | $990K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $30K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $16K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $31K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.