| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP WHOLESALE INSURANCE SERVICES LLC | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $24K | $5K | $29K | 2.75% |
| INSGROUP INC Filed as: FIRST INSURANCE GROUP FRANKFORT | PO BOX 1630 SOMERSET, KY 42502 | DELTA DENTAL OF KENTUCKY | $3K | $0 | $3K | 5.37% |
| AP WHOLESALE INSURANCE SERVICES LLC | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $7K | $2K | $9K | 18.36% |
| INSGROUP INC Filed as: FIRST INSURANCE GROUP FRANKFORT | 1510 LOUSIVLLE ROAD FRANKFORT, KY 40601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 15.04% |
| KARL PATRICK LEE | 381 JOHNNY DRIVE #A SCIENE HILL, KY 42553 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 8.09% |
| MIKE TERRY | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $398 | $214 | $612 | 2.40% |
| MARGARET C TERRY Filed as: MARGARET C. TERRY | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $40 | $272 | 1.07% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES M BENNETT | PO BOX 573 FRANKFORT, KY 40602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $247 | $0 | $247 | 0.97% |
| DILLARD DURAN SPARKMAN | 99 ROYAL MELBOURNE LANE JENKINS, KY 41537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $0 | $166 | 0.65% |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP, INC. | 4021 ST GERMAINE CT LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| CSO | 1212 N 96TH STREET OMAHA, NE 68114 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $28 | — | $28 | 3.85% |
| FARMERS CAPITAL INSURANCE CORP | 22 W MAIN ST, STE 100 FRANKFORT, KY 40601 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $21 | — | $21 | 2.88% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 184 | $1.0M |
| Dental | DELTA DENTAL OF KENTUCKY | 305 | $61K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 184 | $1.0M |
| Life insurance(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY (G1400) | 199 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.
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.