| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 360 EAST VINE STREET SUITE 200 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.28% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE T FUGATE | 1600 HARRODSBURG RD LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $777 | — | $777 | 0.10% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA R LARSON | 801 LAUDERDALE DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $182 | — | $182 | 0.02% |
| MARY CARMELA BERARDI3 Filed as: MARY C BERARDI | 3617 BEATEN PATH LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.01% |
| AMELIA S COX3 | 1265 ROY DUGGER RD LONDON, KY 40741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.01% |
| JESSICA SWICK3 Filed as: JESSICA M SWICK | 2148 LARKSPUR DR APT 23C LEXINGTON, KY 40504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.01% |
| CRYSTAL ROSA VERTREES Filed as: CRYSTAL R VERTREES | 950 N MULBERRY ST SUITE 160 ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.01% |
| ELLEN J BUNCH3 | 235 WOODS ROAD OLIVER SPRINGS, TN 37840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.01% |
| DALE I DAVIS3 | 333 E SHORT ST SUITE 130 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.01% |
| BRYAN KEITH FRIZZELL3 Filed as: BRYAN K FRIZZELL | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.00% |
| DEBORAH MCGREGOR ADDESSI3 Filed as: DEBORAH M ADDESSI | 1488 LEESTOWN RD LEXINGTON, KY 40511 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.00% |
| TYLER A DECKER3 | 4325 COBBLEST ONE KNOLL DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.00% |
| ANTHONY C HARTSFIELD3 | 333 E SHORT STREET SUITE 130 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.00% |
| LAURA BETH KELLER3 Filed as: LAURA B KELLER | 2220 EXECUTIVE DRIVE SUITE 204 LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.00% |
| ANDREW W LAMAR3 | 1006 APPLE BLOSSOM DR FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.00% |
| MARK C LAMAR3 | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| KYLE K CLAXTON3 | 2995 SUGAR CAMP RD COVINGTON, KY 41017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| SUSN M HINKLE3 | 283 HYDE PARK LANE CORBIN, KY 40701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| HEATHER L MAMMEN3 | 468 BOB O LINK DRIVE LEXINGTON, KY 40503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| CHAD THOMPSON3 | 2961 TRAILS WAY OWENSBORO, KY 42303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| KATIE S BARNES3 | 950 N MULBERRY STE 160 ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| PHILLIP D BLAKEMAN3 | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| GARETT J KELLER3 | 422 FREDRICA ST OWENSBORO, KY 42301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JENNIFER KELLER3 | 422 FREDENC A ST OWENSBORO, KY 42301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | ANTHEM HEALTH PLANS OF KENTUCKY | $16K | — | $16K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 8.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, ME 01608 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 1.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $8K | — | $8K | 6.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | $699 | $3K | 2.95% |
| ARC ADMINISTRATORS3 | PO BOX 12290 LEXINGTON, KY 40582 | PARTIALLY SELF FUNDED USING ANTHEM NETWORK | — | $423K | $423K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENC LLC | 360 EAST VINE STREET SUITE 200 LEXINGTON, KY 40507 | PARTIALLY SELF FUNDED USING ANTHEM NETWORK | $65K | — | $65K | — |
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 | 1,229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PARTIALLY SELF FUNDED USING ANTHEM NETWORK | 1,229 | $0 |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY | 1,131 | $329K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,041 | $111K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,749 | $180K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,749 | $180K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 274 | $816K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,749 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.