| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $35K | $7K | $42K | 3.83% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $9K | $21K | 16.90% |
| AMBER NICOLE RICHARDSON3 Filed as: AMBER RICHARDSON | 1241 LYNDON LANE RADCLIFF, KY 40160 | AFLAC | $214 | $25 | $239 | 2.88% |
| MJ INSURANCE3 Filed as: CHAD THOMPSON AND VARIOUS AGENTS | 3306 SPRING RIDGE PARKWAY OWENSBORO, KY 42303 | AFLAC | $106 | $0 | $106 | 1.28% |
| JON-CLAUDE SABOL3 | 3363 WEST 200 NORTH PERU, IN 46970 | AFLAC | $88 | $0 | $88 | 1.06% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AFLAC | $88 | $0 | $88 | 1.06% |
| MARK GALVIN LLC3 Filed as: MARK GALVIN | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $69 | $0 | $69 | 0.83% |
| BRIAN GRAHAM INC3 Filed as: BRIAN GRAHAM | 2201 POLO MOUNT COURT LOUISVILLE, KY 40245 | AFLAC | $49 | $0 | $49 | 0.59% |
| SETH O AKERS3 Filed as: SETH AKERS | 487 NORMANDY STATION ROAD TAYLORSVILLE, KY 40071 | AFLAC | $32 | $6 | $38 | 0.46% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 244 | $1.1M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 244 | $1.1M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 244 | $1.1M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $126K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $126K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $126K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 244 | $1.1M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.