| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & COMPANY | BROOKSTONE CENTRE PARKWAY, STE 118 COLUMBUS, GA 31904 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $19K | $5K | $23K | 2.86% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN | NORTHLAND DRIVE N STE 300 MINNEAPOLIS, MN 55428 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | — | $3K | 0.39% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & CO OF AL, INC. | 360 E VINE STREET LEXINGTON, KY 40507 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $11 | $4K | 6.04% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & CO OF AL, INC. | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.93% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & COMPANY | BROOKSTONE CENTRE PARKWAY, STE 118 COLUMBUS, GA 31904 | ANTHEM LIFE INSURANCE COMPANY | $970 | $718 | $2K | 7.73% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN | NORTHLAND DRIVE N STE 300 MINNEAPOLIS, MN 55428 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 5.55% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES M. BENNETT | P.O. BOX 573 FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 9.57% |
| ROBERT BAYS | 390 DUVALL STATION ROAD GEORGETOWN, KY 40324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.33% |
| MIKE TERRY | P.O. BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $63 | $270 | 1.59% |
| MARGARET C TERRY Filed as: MARGARET C. TERRY | P.O. BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | $33 | $238 | 1.40% |
| ASSUREDPARTNERS Filed as: BENFIT SOLUTIONS GROUP, INC. | 4021 ST GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| CSO | 1212 N 96TH STREET OMAHA, NE 68114 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $35 | — | $35 | 3.85% |
| FARMERS CAPITAL INSURANCE CORP | 22 W MAIN ST, STE 100 FRANKFORT, KY 40601 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $26 | — | $26 | 2.86% |
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 | 255 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 469 | $819K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 305 | $61K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 469 | $819K |
| Life insurance(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 190 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.