| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARCORP LLC3 | 333 W VINE ST STE 1650 LEXINGTON, KY 40507 | ANTHEM LIFE INSURANCE COMPANY | $27 | — | $27 | 1.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARCORP, LLC EIN 26-3574861 ADMINISTRATOR | Contract Administrator Service code 13 | — | $62K |
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 ADMINISTRATOR | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $30K |
| HEALTHLINK INC EIN 43-1364135 ADMINISTRATOR | Contract Administrator Service code 13 | — | $107 |
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 | 91 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 91 | $0 |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 91 | $2K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 91 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91 | — |
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.