| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS LLC | 435 WHITTINGTON PARKWAY, SUITE 300 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $27K | $5K | $32K | 2.74% |
| KENTUCKY HOSPITAL SERVICE CO3 Filed as: KENTUCKY HOSPITAL SERVICE | 2501 NELSON MILLER PARKWAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | $0 | $3K | 0.28% |
| SKYLINE TERRACE LLC3 | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $0 | $99 | $99 | 0.01% |
| BETTY JEAN GENTRY3 Filed as: BETTY GENTRY | 725 GENTRY CIRCLE MOUNT HERMON, TX 42157 | AFLAC | $12K | $230 | $12K | 9.97% |
| MALLORY SULLIVAN3 | 1203 HAMMONSVILLE SCHOOLHOUSE MAGNOLIA, KY 42157 | AFLAC | $7K | $90 | $7K | 6.02% |
| PAULA WINCHELL3 | 940 CORA WILBBORN ROAD SUMMER SHADE, KY 42166 | AFLAC | $3K | $103 | $3K | 2.67% |
| MJ INSURANCE3 Filed as: PHILLIP BLAKEMAN AND VARIOUS AGENTS | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $3K | $23 | $3K | 2.31% |
| WANDA JEAN ANDERSON3 Filed as: WANDA ANDERSON | 1751 WHIRE OAK RIDGE ROAD FOUNTAIN RUN, KY 42133 | AFLAC | $2K | $0 | $2K | 1.38% |
| EMILY LAUREN DAVIDSON3 Filed as: EMILY DAVIDSON | 7074 DRIPPING SPRINGS ROAD SMITHS GROVE, KY 42171 | AFLAC | $538 | $143 | $681 | 0.55% |
| EMILY WOLTERS3 | 6310 EAST KENTUCKY 70 LIBERTY, KY 42539 | AFLAC | $525 | $60 | $585 | 0.47% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS LLC | 435 WHITTINGTON PARKWAY, SUITE 300 LOUISVILLE, KY 40222 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.10% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS LLC | 435 WHITTINGTON PARKWAY, SUITE 300 LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY | $786 | $376 | $1K | 20.79% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 153 | $1.2M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 153 | $1.2M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 153 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 137 | $21K |
| Short-term disability | AFLAC | 129 | $124K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 137 | $21K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 153 | $1.2M |
| Other(3 contracts, 3 carriers) | AFLAC | 137 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
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.