| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $19K | $168 | $19K | 2.60% |
| KENTUCKY HOSPITAL SERVICE CO3 | 2501 NELSON MILLER PARKWAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $6K | — | $6K | 0.81% |
| WANDA JEAN ANDERSON3 Filed as: WANDA ANDERSON | 1751 WHITE OAK RIDGE ROAD FOUNTAIN RUN, KY 42133 | AFLAC | $7K | $251 | $7K | 8.27% |
| MJ INSURANCE3 Filed as: TONYA WEAVER AND VARIOUS AGENTS | 111 HARMONY MILL LOFTS SALTILLO, MS 38866 | AFLAC | $2K | $80 | $2K | 2.88% |
| SHARON L PAYNE3 Filed as: SHARON PAYNE | 7 WEST BARBEE STREET COLUMBIA, KY 42728 | AFLAC | $2K | $52 | $2K | 2.21% |
| BETTY JEAN GENTRY3 Filed as: BETTY GENTRY | 725 GENTRY CIRCLE MOUNT HERMON, KY 42157 | AFLAC | $2K | $57 | $2K | 2.15% |
| PAULA WINCHELL3 | 260 HOLLIS THOMAS ROAD GLASGOW, KY 42141 | AFLAC | $2K | $82 | $2K | 1.89% |
| PHILLIP D BLAKEMAN3 Filed as: PHILLIP BLAKEMAN | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $1K | $82 | $1K | 1.34% |
| TASHA WILBURN DOZIER3 | 151 HIGHLAND RIDGE ROAD COHOES, NY 12047 | AFLAC | $447 | — | $447 | 0.52% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DENTAL CARE PLUS | $2K | $5K | $8K | 24.96% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.83% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 130 | $720K |
| Dental | DENTAL CARE PLUS | 123 | $30K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 130 | $720K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 130 | $99K |
| Short-term disability | AFLAC | 120 | $85K |
| Other(2 contracts, 2 carriers) | AFLAC | 130 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.