| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARC ADMINISTRATORS3 | PO BOX 12290 LEXINGTON, KY 40582 | PARTIALLY SELF FUNDED USING ANTHEM NETWORK | — | $441K | $441K | 3.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 EAST VINE STREET SUITE 200 LEXINGTON, KY 40507 | PARTIALLY SELF FUNDED USING ANTHEM NETWORK | $61K | — | $61K | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST #200 GREENSBORO, NC 27455 | ANTHEM HEALTH PLANS OF KENTUCKY INC. | $28K | $9K | $37K | 7.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY LLC | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | HARTFORD LIFE AND ACCIDENT | $27K | — | $27K | 7.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENAN AGENCY LLC | 100 FRONT ST STE 800 WORCESTER, ME 01608 | HARTFORD LIFE AND ACCIDENT | — | $905 | $905 | 0.24% |
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 | 1,017 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,021 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PARTIALLY SELF FUNDED USING ANTHEM NETWORK | 1,017 | $12.5M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY INC. | 1,230 | $474K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY INC. | 1,230 | $474K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,557 | $378K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,557 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,557 | — |
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."
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.