| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY LLC | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC | $3K | — | $3K | 0.58% |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FITH THIRD INSURANCE AGENCY INC | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC | $2K | $284 | $3K | 0.50% |
| FOUNDATION RISK PARTNERS CORP3 | PO BOX 221649 LOUISVILLE, KY 40252 | HARTFORD LIFE AND ACCIDENT | $39K | $20K | $59K | 15.71% |
| FIFTH THIRD INSURANCE AGENCY INC3 | 8335 KEYSTONE XING SUITE 106 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF KENTUCKY | $8K | — | $8K | 6.43% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION ROAD SUITE 200 LOUISVILLE, KY 40223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 17.40% |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 349 | $118K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 210 | $517K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 282 | $375K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 282 | $375K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 210 | $517K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 282 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.