| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INS AND INVESTMENTS PARTNERS | 550 S 5TH ST STE 101 LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KENTUCKY INC | $1K | — | $1K | 2.05% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM HEALTH PLANS OF KENTUCKY INC | $334 | — | $334 | 0.57% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM HEALTH PLANS OF KENTUCKY INC | — | — | $0 | 0.00% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INS AND INVESTMENTS PARTNERS | 550 S 5TH ST STE 101 LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KENTUCKY INC | — | — | $0 | 0.00% |
| INSURAMAX INC3 Filed as: INSURAMAX | 805 N WHITTINGTON PKWY SUITE 150 LOUISVILLE, KY 40222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $154 | — | $154 | 7.24% |
| INSURAMAX INC3 Filed as: INSURAMAX | 805 N WHITTINGTON PKWY SUITE 150 LOUISVILLE, KY 40222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $98 | — | $98 | 7.49% |
| INSURAMAX INC3 Filed as: INSURAMAX | 805 N WHITTINGTON PKWY SUITE 150 LOUISVILLE, KY 40222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 9.01% |
| INSURAMAX INC3 Filed as: INSURAMAX | 805 N WHITTINGTON PKWY SUITE 150 LOUISVILLE, KY 40222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 6.49% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM HEALTH PLANS OF KENTUCKY INC | — | — | $0 | 0.00% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INS AND INVESTMENTS PARTNERS | 550 S 5TH ST STE 101 LOUISVILLE, KY 40202 | ANTHEM HEALTH PLANS OF KENTUCKY INC | — | — | $0 | 0.00% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY INC | 85 | $59K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY INC | 139 | $3K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY INC | 124 | $563 |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $2K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $1K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 29 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.