| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 435 WHITTINGTON PARKWAY, SUITE 300 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $12K | $0 | $12K | 1.74% |
| KENTUCKY HOSPITAL SERVICE CO3 Filed as: KENTUCKY HOSPITAL SERVICE | 2501 NELSON MILLER PARKWAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $5K | $0 | $5K | 0.75% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $3K | $0 | $3K | 0.36% |
| BETTY JEAN GENTRY3 Filed as: BETTY GENTRY | 725 GENTRY CIRCLE MOUNT HERMON, KY 42157 | AFLAC | $16K | $916 | $16K | 11.25% |
| MALLORY SULLIVAN3 | 1745 HAMMONSVILLE JONESVILLE ROAD MAGNOLIA, KY 42757 | AFLAC | $9K | $464 | $9K | 6.37% |
| PAULA WINCHELL3 | 940 CORA WILBORN ROAD SUMMER SHADE, KY 42166 | AFLAC | $3K | $244 | $4K | 2.55% |
| WILLIAM JONES3 Filed as: WILLIAM JONES & OTHER AGENTS | 958 COLLETT AVENUE, SUITE 200 BOWLING GREEN, KY 42101 | AFLAC | $2K | $41 | $2K | 1.66% |
| KITTY WHITE STAYTON3 | 2618 DEFRIES ROAD CANMER, KY 42722 | AFLAC | $2K | $0 | $2K | 1.03% |
| WANDA JEAN ANDERSON3 Filed as: WANDA ANDERSON | 1751 WHITE OAK RODGE ROAD FOUNTAIN RUN, KY 42133 | AFLAC | $1K | $0 | $1K | 0.98% |
| PHILLIP D BLAKEMAN3 Filed as: PHILLIP BLAKEMAN | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $436 | $0 | $436 | 0.30% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 20.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HEALTH RESOURCES, INC. | $2K | — | $2K | 10.00% |
| ASSUREDPARTNERS3 | 5909 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.62% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 141 | $714K |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 185 | $739K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 185 | $739K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $47K |
| Short-term disability | AFLAC | 131 | $146K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $47K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 141 | $714K |
| Other(3 contracts, 3 carriers) | AFLAC | 157 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.