| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | 360 E VINE ST LEXINGTON, KY 40507 | ANTHEM | $36K | $2K | $37K | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE ST LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | $10K | $1K | $11K | 10.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL | $3K | — | $3K | 5.28% |
| MARSH & MCLENNAN AGENCY LLC | 360 E VINE ST STE 200 LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | $3K | $10 | $3K | 16.04% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & CO | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $79 | — | $79 | 16.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PALNS OF KENTUCKY, IN EIN 61-1237516 ADMINISTRATOR | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other fees; Other services Service code 12 | 3350 PEACHTREE ROAD ATLANTA, GA 30326 | $160K |
| MARSH & MCLENNAN AGENCY LLC | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | $13K |
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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 154 | $50K |
| Vision | ANTHEM | 139 | $13K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 148 | $109K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 148 | $109K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 148 | $109K |
| Stop-loss / reinsurancereinsurance | ANTHEM | 208 | $372K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 122 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.