| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAVIN BARNETTE3 | 2424 HARRODSBURG RD SUITE 102 LEXINGTON, KY 40503 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $58K | — | $58K | 2.72% |
| CENTRAL BANK INSURANCE AGENCY3 | 2400 HARRODSBURG RD SUITE 102 LEXINGTON, KY 40503 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 10.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $100 | $100 | 0.06% |
| CAVIN BARNETTE3 Filed as: CAVIN BARNETTE JR | 105 MALLARD CT NICHOLASVILLE, KY 40356 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 4.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPSYCH EIN 35-3739783 THIRD PARTY ADMIN | Claims processing Service code 12 | — | $3K |
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 | 470 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 319 | $2.1M |
| Dental | DELTA DENTAL OF KENTUCKY | 347 | $82K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 319 | $2.1M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 470 | $170K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 470 | $170K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 470 | $170K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 470 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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.