| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASPIRANT3 | PO BOX 12290 LEXINGTON, KY 40562 | PARTIALLY SELF FUNDED USING ANTHEM NETWORK | — | $324K | $324K | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 EAST VINE STREET SUITE 200 LEXINGTON, KY 40507 | PARTIALLY SELF FUNDED USING ANTHEM NETWORK | $71K | — | $71K | 0.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFILD DR STE 100 JOHNS CREEK, GA 30097 | HARTFORD LIFE AND ACCIDENT | $35K | — | $35K | 7.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $12K | $12K | 2.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPPOLIS, MN 55428 | DELTA DENTAL OF KENTUCKY | $16K | — | $16K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF KY,INC. | $6K | $1K | $7K | 6.17% |
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 | 1,093 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,096 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PARTIALLY SELF FUNDED USING ANTHEM NETWORK | 1,093 | $12.5M |
| Dental | DELTA DENTAL OF KENTUCKY | 1,803 | $360K |
| Vision | ANTHEM HEALTH PLANS OF KY,INC. | 1,059 | $113K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,630 | $458K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,630 | $458K |
| Prescription drug | PARTIALLY SELF FUNDED USING ANTHEM NETWORK | 1,093 | $12.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,803 | — |
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.
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.