| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | — | $1K | $1K | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF KENTUCKY | $14K | — | $14K | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | ANTHEM LIFE INSURANCE COMPANY | $25K | — | $25K | 3.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET LEXINGTON, KY 40507 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY INC EIN 61-1237516 TPA/NETWORK/PBM | Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $1.3M |
| MARSH & MCLENNAN AGENCY LLC | Insurance agents and brokers; Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $159K |
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 | 1,338 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MINNESOTA | 2 | $7K |
| Dental | DELTA DENTAL OF KENTUCKY | 2,576 | $740K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,568 | $922K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 1,338 | $659K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,338 | $659K |
| Prescription drug | CVS PHARMACY, INC. | 0 | $0 |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,568 | $922K |
| Other(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 2,568 | $933K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,576 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.