| 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. | $56K | $14K | $70K | 12.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 2.92% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $114 | $114 | 0.03% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS GROUP INC. | 4021 SAINT GERMAINE COURT LOUISVILLE, KY 40207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $2K | $16K | 17.11% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET NORFOLK, VA 23510 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $104 | $7K | 7.83% |
| VICKIE E LEWIS3 Filed as: VICKIE E. LEWIS | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $5 | $2K | 2.08% |
| BLACK DIAMOND INSURANCE GROUP3 | PO BOX 99 STANVILLE, KY 41642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 0.07% |
| DANNY KYLE PRATER3 | PO BOX 281 TOLLESBORO, KY 41189 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.03% |
| MJ INSURANCE3 Filed as: WHITNEY TACKETT AND VARIOUS AGENTS | 95 JANICE FORD WAY PIKEVILLE, KY 41501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.01% |
| GERALD BRANDON NEWSOME3 | 3280 BLAZER PARKWAY, SUITE 201 LEXINGTON, KY 40509 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
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 | 646 | 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) | 646 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,698 | $569K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,698 | $569K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 646 | $373K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 646 | $373K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 646 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,698 | — |
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.