| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARC ADMINISTRATORS3 | PO BOX 12290 LEXINGTON, KY 40582 | PARTIALLY SELF FUNDED ANTHEM NETWORK | — | $336K | $336K | 4.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.SMITH LANIER & COMPANY | 360 EAST VINE STREET LEXINGTON, KY 40507 | PARTIALLY SELF FUNDED ANTHEM NETWORK | $51K | — | $51K | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N SUITE 300 MINNEAPOLIS, MN 55428 | ANTHEM HEALTH PLANS OF KENTUCKY | $7K | — | $7K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | 200 BROOKSTONE CENTRE PKWY SUITE 118 COLUMBUS, GA 31904 | ANTHEM HEALTH PLANS OF KENTUCKY | $5K | — | $5K | 2.04% |
| 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 | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | 200 BROOKSTONE CENTRE PARKWAY SUITE 118 COLUMBUS, GA 31904 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $644K | $1K | $646K | 700.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N SUITE 300 MINNEAPOLIS, MN 55428 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $255K | — | $255K | 276.48% |
| JAMES P BARTA | 7502 MARIA AVE LOUISVILLE, KY 40222 | KANAWHA INSURANCE COMPANY | $4K | — | $4K | 5.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 360 E VINE STREET LEXINGTIN, KY 40507 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 3.29% |
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 | 990 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 997 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PARTIALLY SELF FUNDED ANTHEM NETWORK | 946 | $8.2M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY | 889 | $252K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 773 | $92K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,330 | $143K |
| Other | KANAWHA INSURANCE COMPANY | 265 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,330 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.