| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 435 WHITTINGTON PARKWAY, SUITE 300 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $36K | $0 | $36K | 1.92% |
| ASSUREDPARTNERS3 | 435 WHITTINGTON PARKWAY, SUITE 300 LOUISVILLE, KY 40222 | THE DENTAL CONCERN, INC. | $7K | $4K | $11K | 7.14% |
| ASSUREDPARTNERS3 | 435 WHITTINGTON PARKWAY, SUITE 300 LOUISVILLE, KY 40222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $3K | $27K | 18.23% |
| ACCRETIVE SPECIALTY INS SOLUTIONS3 Filed as: ACCRETIVE SPECIALTY INS SLTNS, LLC | 2910 WEST BAY TO BAY BOULEVARD TAMPA, FL 33629 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.02% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$4K | $1K | -$3K | -1.90% |
| ASSUREDPARTNERS3 | 435 WHITTINGTON PARKWAY, SUITE 300 LOUISVILLE, KY 40222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $289 | $6K | 24.17% |
| ACCRETIVE SPECIALTY INS SOLUTIONS3 Filed as: ACCRETIVE SPECIALTY INS SLTNS, LLC | 2910 WEST BAY TO BAY BOULEVARD TAMPA, FL 33629 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 23.05% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$8K | $500 | -$7K | -27.63% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 235 | $1.9M |
| Dental | THE DENTAL CONCERN, INC. | 142 | $157K |
| Vision | THE DENTAL CONCERN, INC. | 142 | $157K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 212 | $147K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 212 | $147K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 212 | $147K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 235 | $1.9M |
| Other(3 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 235 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.