| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARC ADMINISTRATORS3 | PO BOX 12290 LEXINGTON, KY 40582 | PARTIALLY SELF FUNDED ANTHEM NETWORK | — | $331K | $331K | 16.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 360 EAST VINE STREET LEXINGTON, KY 40507 | PARTIALLY SELF FUNDED ANTHEM NETWORK | $51K | — | $51K | 2.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | ANTHEM HEALTH PLANS OF KENTUCKY | $12K | — | $12K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 360 EAST VINE STREET LEXINGTON, KY 40507 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 30097 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.54% |
| JAMES P BARTA3 | 7980 NEW LAGRANGE RD STE 3 LOUISVILLE, KY 40222 | KANAWHA INSURANCE COMPANY | $5K | — | $5K | 4.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 360 E VINE ST LESINGTON, KY 40507 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 2.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 200 BROOSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | ANTHEM HEALTH PLANS OF KENTUCKY, INC | $9K | — | $9K | 9.76% |
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 | 895 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 904 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PARTIALLY SELF FUNDED ANTHEM NETWORK | 895 | $2.1M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY | 810 | $242K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC | 659 | $92K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,061 | $139K |
| Other | KANAWHA INSURANCE COMPANY | 275 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,061 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.