| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENTUCKY HOSPITAL SERVICE CO3 Filed as: KENTUCKY HOSPITAL SERVICE COMPANY | 2501 NELSON MILLER PARKWAY LOUISVILLE, KY 40223 | ANTHEM HEALTH PLANS OF KENTUCKY | $29K | $0 | $29K | 1.49% |
| ASSUREDPARTNERS3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | ANTHEM HEALTH PLANS OF KENTUCKY | $7K | $0 | $7K | 0.38% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD, SUITE 300 LOUISVILLE, KY 40206 | DELTA DENTAL OF KENTUCKY | $12K | $0 | $12K | 12.68% |
| KHA SOLUTIONS GROUP3 | PO BOX 436629 LOUISVILLE, KY 40253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $7K | 8.55% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD, SUITE 300 LOUISVILLE, KY 40206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 3.39% |
| KENTUCKY HOSPITAL SERVICE CO3 Filed as: KENTUCKY HOSPITAL SERVICE COMPANY | PO BOX 436629 LOUISVILLE, KY 40253 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.30% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | STARMOUNT LIFE INSURANCE COMPANY | $996 | $0 | $996 | 3.71% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY | 330 | $1.9M |
| Dental | DELTA DENTAL OF KENTUCKY | 396 | $94K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 76 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $85K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $85K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY | 330 | $1.9M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.