| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF KY, INC. | $35K | $0 | $35K | 2.53% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 15.00% |
| WEX HEALTH, INC.3 | 700 26TH AVENUE EAST WEST FARGO, ND 58078 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 11.00% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | DELTA DENTAL OF KENTUCKY | $5K | $0 | $5K | 9.23% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.32% |
| LAURA MARIE LEKSRISAWAT3 | 10300 LINN STATION ROAD LOUISVILLE, KY 47126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.62% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RIDGE COLD SPRING, KY 41076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.73% |
| OLIVIA K ELLIOTT3 Filed as: OLIVIA K. ELLIOTT | 4704 SUNNY MEADOW COURT LOUISVILLE, KY 40241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $291 | — | $291 | 0.92% |
| SETH O AKERS3 Filed as: SETH O. AKERS | 487 NORMANDY STATION ROAD TAYLORSVILLE, KY 40071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | — | $147 | 0.46% |
| JILL D BLACKWELL3 Filed as: JILL DENISE BLACKWELL-YOUNG | 11508 SHAFFER FARMS LANE LOUISVILLE, KY 40291 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.22% |
| REBECCA ANN DOEPKE3 | 4019 DEER LAKE CIRCLE, SUITE 205 PROSPECT, KY 40059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC. | 214 | $1.4M |
| Dental | DELTA DENTAL OF KENTUCKY | 216 | $51K |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 214 | $1.4M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $100K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $100K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $100K |
| Prescription drug | ANTHEM HEALTH PLANS OF KY, INC. | 214 | $1.4M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.